davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I opened a credit account with Synchrony through XXXX XXXX XXXX credit limit of {$500.00} in XX/XX/2020. I was paying my monthly bill of {$28.00} monthly, I was never late on my bill always punctual. The I got sick with XXXX  XXXX, I believe I wrote Synchrony a letter explaining my situation. I was like two weeks late with my monthly payment of {$28.00}, and Synchrony bank, took it upon themselves to close out my account. I did not have a debt owed in fact. The monthly payment I was paying every month was being credited to my account ending in XXXX. I know the action that they took against name is wrong, and they have the simplicity to contact me, and blow up my number ending in XXXX, trying to collect a debt, that I don't owe the account is closed. I tried to work it out with them, begging them to reopen my account, why did they close it that was very unfair, and crucial to me. That is not how you treat customers that are loyal and have a record of their loyal intentions by paying monthly bill on time. 

They input derogatory remarks, and comments onto my experian credit report monitoring inputting " worst ever status '', " accounts ever late. '' Factors influencing your score downward Too many bankcard or revolving accounts with delinquent or derogatory status The number of inquiries was also a factor, but effect was not significant Lack of sufficient relevant real estate account information The date that you opened your oldest account is too recent My credit score went from XXXX to XXXX within a month What language is that in.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Initiated refinance process with Cardinal Financial on XX/XX/XXXX. Loan still hasn't closed. Company is not very responsive. I've been promised prompt follow-up to my open issues and often received no follow-up at all. I am the only one keeping this process moving but at this point it has grinded to a halt and I have no idea why. I was told that the closing would include payment of my second installment of property taxes, but their extreme delays in closing caused me to miss my property tax payment deadline, so now I'm facing a {$1000.00} late payment penalty from my XXXX.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

RE : XXXX Capital One bank is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Consumer complaint received 2021-12-04
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)

Transunion, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (PA)

Bay area credit reported a XXXX debt on behalf of XXXX XXXX XXXX  they never sent me any notices written nor by phone. I attempted to request details and validation of debt and they fail to provide details send bill with total but no details.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX   XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Consumer complaint received 2022-04-28
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. (DC)

They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on It ) you have on file of the accounts listed. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my Experian, XXXX and XXXX credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2023-06-11
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. (CA)

I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want exsprian, XXXX, and XXXX to remove these accounts off my report immediately.. 
XXXX XXXX  XXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.
Consumer complaint received 2017-12-22
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. (CO)

Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my Transunion, XXXX, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : Transunion, XXXX and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have yet to receive a real response or original contract and Ive been communicating with automated response but I know this is a stall tactic and my rights are being violated under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and the company doesnt seem to care so can you help please
Consumer complaint received 2021-12-04
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)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS AND INQUIRI TO XXXX XXXX CODE XXXX. BLOCK AND REMOVE THEM. PURSUANT TO XXXX XXXX CODE XXXX. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PUJURY
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS AND INQUIRIES TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PERJURY.
Consumer complaint received 2021-07-13
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. (GA)

I submitted a valid FTC report to Experian from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.
Consumer complaint received 2020-11-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (TX)

XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX On or about XXXX hrs. XX/XX/2020 my wife and I contacted GUILD MORTGAGE COMPANY in order to inquire and apply for a VA refinancing of a Conventional home loan. Specifically, we endeavored to transfer our Conventional mortgage product to a VA refinanced mortgage, as I am a service connected XXXX XXXX veteran and endeavored to use my VA Loan Guaranty product ( s ) Subsequently, we were connected with : XXXX XXXX XXXX Officer | NMLS # : XXXX GUILD MORTGAGE COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX M : XXXX | F : XXXX XXXX XXXX We articulated, to the aforementioned, the product we wanted to pursue. We were told this was a product offered by Guild Mortgage Company. We were instructed to provide all information via the Guild Mortgage website application, as well as, to provide prior two ( 2 ) years W2 's. LO indicated there would be a HARD PULL upon our credit report ( s ).

We completed the application process and emailed ALL requested documentation. On or about 1800 hrs. LO called and articulated all was well and that, but for the reduction in interest rates as the result of the national election, we would have to revisit the locking in of a lower interest rate on the following day. The next day, today, about 1400 hrs. LO contacted me and stated, " unfortunately, we would not be moving forward because her company does NOT offer a Conventional to VA refinancing product and that she was not aware of this and did not find out until moments before contacting myself. Furthermore, LO articulated she would be emailing a quote for a loan product but NOT what my wife and I requested ''. I told LO, " I did not appreciate her wasting our time, especially, negligently placing a Hard Inquiry upon our credit report and damaging our credit scores, when Guild Mortgage Company does not even offer the product we need and that I was extremely unhappy! '' LO stated, " Sorry, I suggest you shop different mortgage companies in order to locate the product you want, like I said, I will email you the product offering I previously mentioned, goodbye and have a nice day! '' This is unacceptable and deleterious, false, deceptive, misleading, negligent, tortious, damaging and bad-faith business dealings by Guild Mortgage Company and their Loan Officer, as well as, a violation of the Texas Deceptive Trade Practices Act ( DTPA ) laundry list. 

Please advise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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: CITIBANK, N.A. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I attempted to use my Credit card and my credit card was declined. I logged into my Chase account and noticed that my credit card was closed without any notice. I called Chase that night and they told me that they are ending their relationship with me and closing all my accounts with them such as my checking 's, savings, and credit card. They said a letter will be mailed out to you. It took a whole week for the letter to arrive. In the letter they did not specify why my account was closed. I have a good credit score, pay all my bills on time, have a steady balance in my checking 's and savings accounts. I have a steady income. No fraudulent or suspicious activity on my account. What chase did was highly unprofessional. They did not provide an explanation on why they closed my accounts and did not offer to review my account.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

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 Section 2 : 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 any purpose.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Principal Group, LLC (TX)

I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.
Consumer complaint received 2022-04-28
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: CBC Companies, Inc. (NJ)

Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.
Consumer complaint received 2021-01-05
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.