davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA bank reported us late payment in XXXX and XX/XX/2018 because while they were investigating an interest rate reduction dispute we were advised to pay what we could while active investigation going on. USAA corrected their error of raising our interest rate and monthly min payments when they found the mistake to be on their end, however, they failed to correct the credit reporting they did. We paid as their representatives advised us to, we did not miss payments as they investigated their mistake ( which took 6 months ), but could not afford the sudden dramatic increase that was not supposed to happen due to the program we were under. USAA inaccurately reported as the mistake was on their end and the advice on how to make monthly payments was on their end. We were told to submit dispute forms - we did. However, the person failed to read our forms and do the full investigation and reported our dispute as " irrelvent ''. I have attempted to leave messages on his voicemail repeatedly, but he will not return calls ( Mr. XXXX XXXX ). I have called the USAA customer service line to get a hold of someone in the dispute resolutions team, however, not one representative knows who to connect me to ( but they manage to repeatedly place me on hold for over 47 min at min each time I call ) and they just send me to dispute resolution for credit cards - who only tells me they can not help me because my accounts are not in default. In other words, I submitted 4 disputes for credit reporting to USAA and 1 to Mr. XXXX directly with a 2 page explanation and not one person has called me back to correct or even discuss the issue. I just sent out letter of complaint to NCUA and Im now turning to credit bureaus to help.
Consumer complaint received 2017-10-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc (NC)

I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. <P/>I have copies of the charge on my bank account and also a copy of the letter that the company sent me.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: Cascade CISS Holdings, LLC (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2017-09-29
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: EQUIFAX, INC. (NY)

I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.
Consumer complaint received 2016-01-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CO)

XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MA)

Equifax has not taken proper precautions to protect my information ; as a result, all my sensitive information such as date of birth, SSN, etc. are now public information and I may soon be a victim of identity theft and other credit fraud problems.
Equifax could have at least hash the data instead of raw storage, but they carelessly have exposed the information of 150 million Americans ; this is serious neglect on their part.
Equifax has been quiet about this breach for nearly a month, this is seriously horrible. I received no notification about this breach to properly protect myself.
Consumer complaint received 2017-09-29
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. (NY)

I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management (OH)

Key Bridge was the collection agency. I was looking at this report and noticed that were invalid and incorrect account information. My tracking number from the post office is XXXX XXXX XXXX XXXX XXXX. It taken them way more than 35 days which is a violation of 15 USC 1681 ( A ) ( I ) ( A ).
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over. 
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. SYNCHRONY WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT SYCHRONY BANK KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO SYCHRONY IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL XXXX BUREAUS.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

I called EdFinancial XX/XX/XXXX to request a refund of 2 payments that were made after XX/XX/2020, they said it would between 5 months and a YEAR to process the refund. This refund was authorized under the CARES Act and other servicers are able to process refunds in a reasonable time ( 2-6 weeks ). I was told they could provide no confirmation and no method to track the refund.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I receive continual notices regarding both loans I have with this company. In short, the notices claim the company has not received my insurance information. They have been provided with this information many times ; however, it takes about an hour to reach a person to speak with and even then, they will not discuss the problem over the phone. All of my insurance is current. During my discussions with a representative, it appears their system was recently changed, and they are having trouble keeping track of records on their end. Regardless, I feel I am being harassed/threatened by this company because either their system is flawed or they are unwilling to do their due diligence to ensure their system is correct.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (DE)

So I seen some hard pulls on my credit and I didnt authorize. Please someone call me at XXXX. My name is XXXX XXXX and I think someone has tried to get credit under my information. Thank you for your help
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX 2017 there were two unauthorized withdraws of {$500.00} out of my account. Chase sent me a text asking me if I just made a withdraw of that amount, I immediately replied " no ''. I filed a claim with with them, and They later closed the debit card and issued me a new one. Meanwhile I gave them all the documents proving that I was at work that day in XXXX XXXX XXXX while the transaction occurred in Virginia. Two weeks later they credited my account for the total that was stolen only to reverse it two weeks later saying that the transaction was authorized.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

I was called by the chime customer support number at XXXX est on XX/XX/24 and the representative stated he was calling to verufy some suspicious activity he verified my name and started nameing transactions based out if XXXX texas and i reside in South Carolina . He stated not to worry that they are creating a new secure account for me and provided me a confirmation number a temp password for said account then proceeded to provide me a chime email to send my available funds in the amount is {$150.00} to that account using money tranfer i did and then the line went dead upon calling right back the same number i was informed that i somehow was scammed and they will file a dispute and how they appreciate my call since it came from their number. A fee hours later i received an email stating there us nothing they can do even though it was through them
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX = XXXX FCRA Violation 15 U.S. Code 1681a ( 2 ) ( A ). Its wrong to report late payment. I was Never late in the year XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it or delete it. 

XXXX. Once again provide the name, address and phone number of each person you spoke with that verified I submitted payments or remove all lates. 
XXXX. Once again provide all documents with dates from XXXX that these dates were not deferred or remove all lates. 
XXXX. Please send all bank transaction receipts records that show payments I supposedly paid in XXXX  or remove all lates. 
XXXX. Please also provide the loan amount statement receipts with dates I should have received on all the payments I supposedly made for XXXX  or remove all lates.