davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-17
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. (GA)

I have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.
Consumer complaint received 2020-12-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BOK FINANCIAL CORP (CA)

On XX/XX/XXXX I took out a ten month CD at a rate of 4.77 % that matured on XX/XX/XXXX. 

Today on XX/XX/XXXX, 13 days later ( 9 business days later ) they informed me that I was beyond the 10 day grace period and I had been rolled over into a new CD. 

THE NEW CD IS THE PROBLEM. The new CD is for 364 days at a rate of 0.15 % per year with a 1 % penalty on monies withdrawn before a year is up. This CD is an unethical financial product. It is not something anyone would willingly purchase, it exists only to provide Bank of Albuquerque with a vehicle to XXXX inattentive customers. 

I am sure Bank of Albuquerque is within the letter of the law, but they need to take an ethics class. They have surely lost me as a customer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-07-19
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: AMERICAN EXPRESS COMPANY (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 I signed up for a SunTrust checking account and enrolled in a promotion stating I would receive a {$400.00} bonus for meeting certain requirements, the primary one being making " direct deposits '' of {$3000.00} each month across two statement periods. 

I have done this across the first three statement periods and within the time frame required, but as of XXXX XXXX, 2020, SunTrust 's " Offers '' portal showed my account is not having completed the requirements. I called on XXXX XXXX, 2020, and spoke with a representative who reviewed my account and claimed I was not receiving the offer due to not having made a single direct deposit of {$3000.00} or more in each month, despite the terms and conditions clearly indicating " direct deposits '' of {$3000.00} or more each month and having no language stipulating that the amount must be made in a single transaction. The representative stated I would not receive the offer due to this requirement not being met ( i.e. a single direct deposit of {$3000.00} or more each month ), despite it not being a requirement listed in the terms & conditions. 

I have had a professional in the finance industry at a different institution review the terms and conditions and they agree that there is no language stipulating that the {$3000.00} must be made in a single direct deposit transaction.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (PA)

I contacted XXXX XXXX in XXXX stating I was having financial difficulties and asked if I had the insurance to cover payments. It was explained to me that I did not have the insurance. I asked what my options were. The only option was to have one payment deferred. I went to the location to sign papers to have my payment deferred. My paperwork for the deferment was misplaced and I kept receiving phone calls until the found the paperwork. I called in XXXX asking for another option. I was told there was no other option except to pay. This account is now four months behind. I would like for XXXX to work with me until I am able to start a regular paying job.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Made a free account with TransUnion and was charged {$24.00} for no reason. Tried to remove my debit card information and received another {$24.00} for no reason! No good provided and no warning they would charge my account.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Services are not deleting the negatives out of my credit report as on XX/XX/2019.

On XX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019 on  conversation with XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

Discover card has refused to intentionally review in full, this request for consideration to refund, despite an online initial request with several agents stating this is an unusual situation. 
COMPLAINT Letter regarding DISPUTE XXXX XX/XX/XXXX COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payment as requested in my prior letter date XX/XX/XXXX. 
I booked my travel with XXXX XXXX based company called XXXX  XXXX XXXX XXXX Company number XXXXXXXX XXXX  : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXX.This tour was to take place on XX/XX/XXXX. This Discover card was used to satisfy the full payment to XXXX on XXXX XXXX for {$3400.00}. ( Citation from 1 XXXX XXXXXXXX XXXX and is found in the uploaded information in my account in your Securities tab ) I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an XXXX XXXX group of failed customers who are aware that many financial companies including XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers, because of this and their willingness to understand this is unusual. 
This payment was made in good faith by me and I trusted in the fact that in using Discover 's credit card for a future travel event, that I was covered in case of failure. I have been a loyal customer since XXXX of XXXX and have never experienced a set back like this. 
On a personal level, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would ask that you reconsider the position regarding my request and return funds to my account using the Chargeback mechanism as I was not able to use them for the intended purchase.

In my Discover credit card account, I have all the uploaded information for review and can support that I attempted to contact several times XXXX for a full refund, though they claimed funds could not be refunded and could only be used for future tours. 
As soon as it became Internationally known, I actively researched to get this hard earned money back. 
Thank you and I am sure this is now another of many requests you have encountered regarding the failure of XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

I am having a continued issues with the Synchrony Bank issued XXXX ( XXXX ). As per the offer extended to me when I opened the account the bank offered XXXX points for each dollar spent after first {$1000.00} spent on XXXX purchases in calendar year. This threshold was met in XXXX of 2021. 
Subsequently in the XXXX of 2021 I spent {$1800.00} resulting in XXXX points still to be credited to the account. When I brought the issue to the bank I was told that the customer service is not authorized to address this issue but to only ask a third party vendor managing the program to issue the points. Synchrony Bank supervisor has given me a number XXXX x XXXX to contact the vendor directly but unfortunately I was then told that the number given was fake and it doesn't deal with XXXX branded cards. In the meanwhile the account with existing XXXX points has been frozen at this level leading me to the conclusion that Synchrony Bank does not want to credit the due points so the points can be redeemed at the lower value as the value redemption goes up after XXXX points level. 
It is utterly unethical and reprehensible that the Synchrony Bank would be cheating consumers in such brazen and shameless way as to not even address it in an honest and comprehensive manner. In my previous communication the Synchrony Bank tactic is to extend the processing time of the issue by requesting more time to address it and then to simply ignore the issue.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (IL)

In XX/XX/XXXX I went on unpaid XXXX for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every two weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to another bank. When I reached out to the bank they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.
Consumer complaint received 2019-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/2016. XXXX XXXX XXXX ( XXXX ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. XXXX Claims that they are servicing the debt for Bank of America ( B of A ) since XXXX. However, the servicing agreement between B of A and XXXX was executed on XXXX. Regardless, both B of A and XXXX claim to be collecting on the alleged debt owed. I have contacted both XXXX and B of A on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both XXXX and B of A. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither XXXX nor B of A filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both XXXX and B of A, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. XXXX and B or A are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX points .I have no knowledge of this inquiry.
Consumer complaint received 2022-10-06
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : 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 XXXXXXXX XXXX
Consumer complaint received 2022-01-07
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 (GA)

My loan amount with Capital One Auto Finance has not been updated since XXXX XXXX. It is currently showing the amount of XXXX on my credit report and my current amount on the actual account is XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX I  am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please  remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.