davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below. 
15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on BK OF AMER. 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 2020-12-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent MY OWN dispute to TransUnion and they denied saying it wasnt me directly. I AM NOT WORKING WITH A CREDIT REPAIR AGENCY. All I want is a fair investigation.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.
Consumer complaint received 2022-08-12
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX XXXX
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MD)

On XXXX XXXX2020 I requested additional time to pay off my XXXX with Credit Care . I was paying this off within a year but do to the COVID 19 I still had a balance remaining of {$1500.00}. I was promised only a extra 30 days to pay it off. Instead interest charges were added {$3500.00} sent to credit bureau causing a negative impact on my credit score. I was told the had to do this and it could not be removed. I borrowed the money paid the account off in full asked them could the updated the credit bureau the said no. Customers are really hurting already stretching trying to pay off debt. If I was given a extra 30 days the interest charges did not have to be added thats just plan greed on the part of Credit Care.
Consumer complaint received 2020-06-01
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: Source Receivables Management LLC (IA)

Got a pay for delete and it wasnt deleted. 

I recently did a pay for delete on a debt for XXXX on XX/XX/20 in the amount of {$660.00}. I called them to ask for a deletion under the instruction of a credit advisor for XXXX XXXX who was helping me get my credit up for my first home and needed some stuff removed. 

After explaining the situation to them and why it went to collections to begin with they stated I do qualify for deletion. The company was Source Receivables Management. 

I paid {$670.00} in full and received a letter from the this collection agency confirming it has been paid in full and that they have submitted for deletion to all credit bureaus they reported to. 

It was never updated or deleted though. I submitted a dispute through XXXX to have it deleted and included the letter from the collection company stating that it is to be deleted. 

But XXXX  didnt delete it, they just updated it to a {$0.00} balance but left the collection still on there which I couldnt have. They gave me a notification that the information I disputed has been verified and so was left on my report, even though I presented the letter straight from the collection agency stating otherwise.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (IL)

I made a purchase on XXXX XXXX with my Us bank altitude connect card in early XXXX. My card member agreement says I should get XXXX points for " travel ''. So i called the Bank and asked them to confirm if I would indeed get XXXX points. The representative on the phone said that I would. I made purchases with XXXX XXXX going on the information the rep told me over the phone. After my statement closed, I saw that I only received XXXX points and not XXXX. I called US bank and asked why this was the case around on XX/XX/XXXX. The rep again on the phone told me they are not sure why I didn't receive XXXX and that XXXX travel should have qualified. They said I would receive a letter from a supervisor soon. I got the letter today on XX/XX/XXXX and the letter just says that XXXX XXXX is a travel agency and doesn't count as direct travel purchases. I understand that is their policy, but I feel misled by the US bank reps. If I knew ahead of time that XXXX XXXX would not count, I would have used a different card. But I used my Us bank card because of what the rep told me over the phone. This was a very large purchase and the points are not insignificant.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CO)

XX/XX/2020 Current ( XXXX XXXX  ) allowed me to enter direct deposit information for my husbands unemployment. They returned the deposit because the name did not match yet they allowed me to enter the information and for it to clear with the UI office. When I contacted them they said there is nothing they can do to release the funds even though my husband was willing to be added to bank account and was standing ready with his social, ID and other PPI. I feel this is a UDDAP violation as it should have never gotten as far as the deposits being rejected and other banks Ive banked with have never had an issue processing my husbands payments to the account.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have a bill showing on my XXXX  credit report for XXXX XXXX XXXX from Sunrise Credit Services when I have paid off XXXX XXXX XXXX XXXX for {$300.00}. I tried to pull up this account on their website but 2 security certificates pop up like the website is unsafe.
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-09-14
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Back in the spring we experienced major delays when trying to close matured CD accounts with CIT Bank. We heard excuses from there were so many accounts closing that they were backlogged as well as our accounts were so large that multiple reviews were needed before closing and those areas were backlogged as well. In addition, one time a representative had linked XXXX CD 's that were maturing within a week so none of the CD 's were being processed until the final matured. Over the years, we have had over XXXX CD 's with this bank and things only started being problematic in the spring. Unbeknownst to us, they changed many things XX/XX/XXXX. We received no notification of these changes. I learned about them today when I called to set up XXXX CD 's that are maturing XX/XX/XXXX. Now, everything is done online, but I needed to redo my password and other activities to even get access to my accounts. And lo and behold, CIT Bank has deleted our previously linked external bank accounts for transfer of funds. CIT Bank has been transferring funds to this bank for years, even as last at XX/XX/2016. Now, it is non-existent and I have to start all over and go through testing, etc. That means my time and attention for problems that they have caused. At this point, I am not confident that this system will work as they say it will. It will be very easy for them to say that they did not get the message. Yes, now I have to send a message through their customer service message center to request that the account be closed on maturity and transferred to an external account. Of course I can not do that until my external account has been tested and approved. I truly do not like fighting for my money. I find it somewhat amazing that a bank can delete, eliminate, discard banking records/transactions/data for on-going customers. It seems that CIT is out for themselves and not there for their customers.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

I have applied mortgage loan to New American Funding to purchase a townhome. The builder name was The XXXX XXXX XXXX Georgia XXXX. New American Funding ( the lender ) was the builder 's preferred lender. 

The closing date was XX/XX/2022. 

On XX/XX/2022, I got an email XXXX XXXX XXXX, who was the loan XXXX with New American Funding. She said my loan was fully approved and she asked me to sign the XXXX for the closing process. 

I asked her what would be my mortgage interest rate to be locked as of XX/XX/2022 because I had not been informed the interest rate information from XXXX until XX/XX/2022. 
XXXX said that she already locked the interest rate and the interest rate would be expired as XX/XX/2022. 

However XXXX & I had never discussed about the interest rate. Also, I had never signed to any disclosure to approve the interest rate lock. I asked her again how she could lock the interest rate without the borrower approval. XXXX said I approved the interest rate. So, I asked her to send me the evidence of my approval or the signed disclosure copy. She did not send me the evidence and said New American Funding did not make any mistake. 

The XXXX XXXX XXXX Georgia XXXX, the builder & the seller, said that they will terminate the contract as of XX/XX/2022 because I did not purchase the subject townhome. From XX/XX/2022, I asked the seller a couple of times to extend the closing schedule because I had the above problems with the lender. The XXXX XXXX XXXX Georgia XXXX answered me NO. 

So, I lost {$32000.00} of the earnest money.

Please let me know if there is anything you could help me. 

I look forward to hearing from you ASAP. 

Thank you so much.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2020-11-30
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)

XXXX XXXX, XXXX and equifax is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, XXXX and Equifax Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXXNeedless to say this matter still has not been taken care of.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/2021 I sent a secured message while logged in to bank of the west to request the closure of the checking account, on XX/XX/2021 I received a online response to the secured message stating the said account will be sent for closing. 
On XX/XX/2021 a fee of {$10.00} was charged to the same account and this fee was not disclosed earlier but per me account was closed on XX/XX/2021 itself. 

To my surprise account was not closed- upon checking the status I immediately called the bank customer service on XX/XX/2021 and waiting for XXXX hrs on the phone line without being able to reach to anyone. 

Sent secure message reply on the earlier message for closing and received a response that since the balance is negative it can not be closed and was asked to contact the branch. 
It has to be noted that this account was opened online and meant to be completely online without need of any branch. 
I called the local branch on Monday XXXX and branch rep is asking me to come to branch to close the account- despite online confirmation.Multiple secure messages and wait on customer service phone is not helping and bank is becoming a pain to close the account.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I contacted XXXX recipient XXXX ( XXXX # XXXX XXXX for an inquiry of concert tickets. I was told from the original ticket vendor, XXXX, to send over the ticket amount, {$420.00}, to the XXXX recipient as I would receive a transfer of tickets via email as soon as I did so. There was an open format of communication between both the ticket seller and the original vendor until I XXXX  over the {$420.00}, then I received no response or tickets from either. It has been over two weeks now and I still have not heard back from either the XXXX recipient or XXXX, so I am now resourcing for your services to file a fraudulent charge against them. Please let me know the following steps needed to be taken as I wish to resolve this matter as quickly and efficiently as possible. Look forward to hearing back from your division soon and hope you have a great rest of your week! 

Best Regards, XXXX XXXX
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB (SD)

I am not past due and have paid in-full on-time every month. My employer is changing our pay schedule which means I will not have the money in my account when the payment is due on the XXXX. I am trying to be proactive and have contacted Klarna to request a payment due date change in order to continue to pay my loan in-full and on-time. I am being told they will not due this. Rather, they will continue to pull the payment on the XXXX when I will have no money resulting in either an NSF fee from my bank, or a missed/late payment to them which will cause a late fee and possible negative reporting to the credit bureaus. I have perfect credit. I have never missed a payment, never not paid a payment in full, never had a collection, or judgement. I want to keep it this way, which is why I contacted Klarna on XX/XX/2022 to request a payment due date change which sufficient time before my pay schedule changed at the end of XXXX.