davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from my credit report.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX letter from XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Decision about your credit card account application # Dear # # # # : We're writing to let you know we are unable to approve your credit card account application for the following reasons : * No non-authorized user bank cards reported ( We look at the mix of credit you have ) I complained to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX that this reason makes no sense and should be considered favorable I have no authorized nor unauthorized user bank cards. 
Additionally, reason is grammatically wrong and should be deleted. 
XXXX XXXX agreed it was a typo and could not explain error but refused to delete as a reason to deny XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

The balance on my home loan was paid off and the funds was wired on XX/XX/21. I haven't received a " satisfaction '' of my mortgage being paid off and show it's been recorded from the mortgagee. I have called several times and either it has been sent out and they will resend it. Now that rates are low, I would like to get new loan, but can't do until this is resolved! I've had issues with these people before regarding the escrow account with this loan. It seems it goes to deaf ears. Now that the mortgage has been paid off, it's happening all over again. I have been calling Shellpoint every month for the past year regarding their accounting being incorrect which backup copies from the county tax assessor 's office have been verified and sent from the county tax assessor 's office. The worst experience I've ever had with a loan service. Hence, the reason to pay them off! I've had it with them!
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Loan was paid in full for an RV on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I still do not have a title or a signed letter from the company saying the loan was paid off. 

Every time I call, I get a different answer from their customer support. 
1. We have 14 days to get you the title.

2. We have 10-15 business days to get you the title.

3. You live in the state of Florida so the titles are electronic.

4. We mailed the title on XXXX XXXX. 
5. It does n't look like we filed the right paperwork to transfer the title. 

So I still do n't have a title.
Consumer complaint received 2020-12-02
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.
Consumer complaint received 2020-12-02
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. (GA)

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XXXX/XXXX/XXXX I received an email from Bank of America stating my credit line had been decreased. 

I called on XXXX/XXXX/XXXX to understand why, the rationale was completely arbitrary and when speaking with the " underwriter '' she stated they pulled a soft inquiry and evaluated my deposits into my checking account. 

My credit line was decreased {$2000.00}. I have been a credit card holder through Bank of America for 12 years and have never gone delinquent. 

I recently closed 4 accounts ( paying total owed off ) that may be affiliated with Bank of America leaving my only open credit account to be with Bank of America. 

from an income perspective this is my highest income year since I 've had the card. the rationale does not seem to be based in fact. 

please help me understand if this is a fair practice.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

OPENED SUNTRUST ACCOUNT ON XX/XX/XXXX MADE OPENING DEPOSIT. THEN OM THE XXXX DEPOSITED A CHECK FOR XXXX $ THEY SAID WOULD BE AVAILABLE ON THE XXXX. TRIED TO WITHDRAW THE MONEY ON THE XXXX THEY SAID ACCOUNT WAS BEING INVESTIGTED FOR FRAUD. THE REP SAID AFTER 5 DAYS OF NO ACTIVITY THEY WOULD SEND A LETTER IN 5 TO 7 DAYS THEN A CHECK WITH REMAINING FUNDS 7 TO 10 DAYS AFYER THAT SO ALMOST A MONTH. I JAVE KIDS TO FEED AND BILLS TO PAY I HAVE ALREADY WAITED 2 WEEKS TO HAVE ACCESS TO THIS MONEY. I XXXX  THIS AND THERE ARE DOZENS OF NEWS STORIES AND THOUSANDS OF PEOPLE COMPLAINING ABOUT THIS.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a XXXX to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX and XXXX even Transunion.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (KY)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Good Afternoon, After attempting to seek restitution of funds through the bank system directly and through a complaint filed with the Office of the Comptroller, I'm hoping you will be able to help me. An aide in my local senator 's office suggested I try filing this complaint to see if it would help. 

On XX/XX/XXXX, a check I had mailed to pay town taxes was forged and cashed after being stolen from a post office mailbox and altered to change the payee and the signature. It was clearly a forgery and a tampered check. I did not realize this happened until XX/XX/XXXX when the taxes on my home were delinquent and I faced a tax sale situation as a result. I contacted the bank immediately. While I was hopeful at first and a local bank manager was also optimistic, the end result was denial of my claim for the {$6200.00} stolen from my account. Ever since, I have been trying to find a way to be able to retrieve the funds from Citizens Bank. I have a police report and other notes as part of the request. I filed complaints with Citizens directly as high as I could go in the Office of the Chairman. I contacted my senator 's office and others for assistance. Repeatedly, I have been informed that they are only obligated to act on the forgery if discovered within 30 days. While I understand they may be within the law to deny my request, I'm still distraught over losing {$6200.00}. Last winter was a particularly busy and uncertain time and I just can't believe Citizens bank is applying and flexibility with customers. The end result may be that I and a few other friends and family close all accounts with Citizens but I continue to hope I might find a resolution. Thank you in advance for any help you can provide.
Consumer complaint received 2021-04-12
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. (AL)

I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting 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. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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. (FL)

XXXX XXXX XXXX is a XXXX  account on my credit report and i tried to dispute this with experian and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. experian is the only XXXX given me trouble and its not just this account also XXXX XXXX XXXX, XXXX XXXX XXXX.these accounts are identity theft and are fraudulent activity that i reported to experian and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have experian tell me that they are not going to remove it XXXX and XXXX both removed it only experian is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (NY)

Experian ignored my fraud alert and provided a credit report and other personal information to obviously suspicious inquirers. They make no effort to secure or verify any of the information they possess. They further allowed the fraudulent actors to create an account using my personal information but linked to an email and phone number in their control. That way, when I tried to correct Experians mistakes, I was unable to even create an account. And they dont answer their phones.
Consumer complaint received 2022-04-26
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. (AL)

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 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

I got a text that said the following : " CHASE : Your account has placed on Hold! We need to verify your information to remove hold. Please visit XXXX : XXXX to regain access '' Since I don't have a Chase account I know this is a fraud attempt. I didn't click on the link and I blocked the phone number it came from ( XXXX ). Fortunately, since I've had fraud issues in the past I'm aware of what to look for. However, another person may have received this and if they had a Chase account they could easily become a victim.
Consumer complaint received 2020-06-04
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX  XXXX   Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

I am currently in the process of buying a home and saw that this collection was on my credit. It was opened on XX/XX/2021 and it is for {$59.00} due to XXXX XXXX ( I guess that is there client ) At this point even when I have no idea what this is about I would rather pay the balance due so that they can delete this immediately. If this is not taken of the credit report in the next 48 hours I would have no choice to get my attorney involved and seek legal action as there is too much at stake for {$59.00}. These people can ruin someone's life by making these mistakes.