davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DC)

This complaint is about Synchrony Bank. I have not had a balance on my card in several months but they continue to charge interest ( on a XXXX balance!! ). I was first charged {$21.00} interest even though I pay off my balance in full every XXXX weeks when I get back. The next month after I stopped using the credit card all together ( with a XXXX balance!! ) I was then charged a {$2.00} " minimum interest fee ''. 

I have 6 credit cards and have had cards open for almost 25 years. I've never been charged interest on a credit card a single time in my life. Synchrony is not following laws on first money in, first money out. They are also not abiding by any grace periods required by law. They are charging interest on XXXX BALANCES and balances before the grace periods are over in conflict with the CARD ACT and other applicable laws. 

I have called Synchrony customer service to request refunds and to inform them they are breaking the law. They have not stopped charging fake interest fees on XXXX balances, nor did they refund me the fees they charged in violation of the law.
Consumer complaint received 2022-12-05
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: ONLINE Information Services, Inc. (LA)

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Online Information Ser XX/XX/XXXX in the amount of {$150.00} Online Information Ser XX/XX/XXXX in the amount of {$760.00}
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had made a dispute on XX/XX/XXXX due to XXXX XXXX saying my XXXX XXXX  XXXX credit card increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for. 
I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by credit karma from Transunion Report XXXX I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute XXXX
Consumer complaint received 2022-08-22
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: Unifin Inc. (OH)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXXXXXX XXXX XXXXXXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named UNIFIN who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX  XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
Consumer complaint received 2022-09-13
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. (UT)

We have a bankruptcy on our credit file. Equifax is showing two different discharge date. We have contacted the US BANKRUPTCY COURT. And received the information needed to show the error. We have spoken with XXXX XXXX the reporting agent for equifax. They now have the correct information. But each time we submit a dispute they say that they have verified the information. 6 disputes. All have the wrong information still. No prof of them contacting XXXX. The docket number on the report they give with the false information. Is not a US BANKRUPTCY docket number. They lie and say they are verified the information. Which is not true. Im trying to close on a mortgage loan and this error is stoping it from being funded. I have spoken with there representatives several times. They refuse to fix the error. We have provided mutable legal documents proving the error. Even contact information for the agent with the US BANKRUPTCY COURT! I need this fixed to get my mortgage loan! They are the only one of three reporting agencies reporting this error. I have my attorney working on this issue. But it takes 90 days to complete. I dont have time for that to happen. This has been in dispute 36 days now!! 6 disputes mutable documents proving the error!
Consumer complaint received 2024-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TN)

To whom this concern : A random {$71.00} attempted to collect a debt that I do not recognize from collections agency AMSHERCOLLECTION SERVICES, there is not way to contact this collection agency, no telephone, email, address, or no way to get in touch with them in regarding this charge, and I this is not a charge that belongs to me. I would like this removed off all 3 major credit bureaus within a timely manor if can not prove this belongs to me. I would like a debt validation letter for what this invoice inquires and what charge is for and if it is proven valid.

Thank you, Have a great day
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I am filing this FTC AFFIDAVIT to report several fraudulent inaccurate and incomplete information accounts on my consumer FICO credit report. I have asked experian and XXXX for validation and whomever they spoken with to validate these accounts. These accounts are still inaccurate incomplete and i request these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have been fraudulent edit remove these accounts immediately.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-08-22
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: Experian Information Solutions Inc. (IN)

on XX/XX/2022 I sent a letter to Experian for Method of investigation for account Bankruptcy reference number XXXX. However its been more than 30 days and Experian failed to send my investigation back. This is not making any sense. I have also contacted XXXX XXXX for verification and they stated they do not have this account on my file. I have also reached out to the court and they also responded that they do not report any information to any third parties. Where are they getting this information from? 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer I would like to know who they talked to. 

How did they complete this investigation
Consumer complaint received 2022-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

FREEDOM MORTGAGE encouraged me to do a forbearance due to financial hardship. The mortgage company encouraged me to do loss mitigation to help with the past due amount. The process began in XXXX of 2022. The representative told me not to make payments during this process. Every time I would submit paperwork required by the mortgage company, they would always be missing something. I would send the missing documents and check back the next week. Then, they would say the paperwork expired. I would have to start over. So I did. Many times. On XX/XX/XXXX I sat on the phone with a rep to make sure all paperwork was received because I received a foreclosure notice. The rep told me not to worry about the foreclosure, they will extend it. I made sure all paperwork was sent. The rep said the next step is the paperwork is sent to underwriting and to check back in a couple weeks. I checked back on XX/XX/XXXX and was told paperwork was missing again. I sat with the rep and went through all of the paperwork. She said nothing was missing. She didn't understand. She told me to hold on for a few minutes. When she returned, she said she discovered a check stub was missing. I think she was lying to cover for the mortgage company. Once again, I sent in all paperwork asked of me and verified everything. She said she submitted it for review. I was never notified of any missing paperwork after XX/XX/XXXX. I thought everything was OK, like the representative stated. The representative from the XX/XX/XXXX call told me to call back the following Monday. Meanwhile I have been working with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was approved and XXXX XXXX was trying to pay the past due amount in full so I didn't lose my house. Regardless of that, they proceeded to foreclose on my property. When I called that Monday they said I had to pay XXXX to avoid foreclosure. They knew I was doing XXXX XXXX XXXX XXXX But they didn't care. XXXX XXXX  tried to intervene but was unsuccessful. After the auction, XXXX XXXX discovered that Freedom Mortgage in fact purchased the property. She called Freedom Mortgage and they said if she paid the past due amount and I paid the foreclosure fee we could keep the house. Now they are not returning calls to me or XXXX XXXX XXXX. They tried to lie to me and say they didn't purchase the property. According to the XXXX XXXX XXXX XXXX XXXX XXXX, they did. They told XXXX XXXX that a supervisor would contact her and myself but that has never happened. So I'm sitting her not knowing if I have just lost everything or not. They act like they are doing everything possible to stop me from keeping my home. I have XXXX kids and we are about to be homeless thanks to Freedom Mortgage scamming people into losing their homes.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke with rep XXXX and he did confirm that Transunion had received the letter I got from XXXX showing that there was not a XXXX XXXXXXXX Bankruptcy listed. I asked rep does Transunion verify bankruptcies through XXXX and he did confirm that they did. I was advised once they got letter showing proof that it would be updated and removed from credit report but has not. Transunion is now saying they verified the bankruptcy with XXXX that it was accurate which is incorrect information. I called XXXX and spoke with a representative that advised me that Transunion is not getting their information from XXXX. Under the Fair Credit Reporting Act Tranunion is reporting inaccurate information.
Consumer complaint received 2022-09-14
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. (FL)

I am a natural person.i am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC1681. They have violated my rights numerous times. I demand the accouns listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not in any way give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX XXXX Account name : US DEPARTMENT OF EDUCATION Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-22
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

Freedom mortgage was to assist me with a partial claim during Covid. They dropped the ball I was taken out of forbearance XX/XX/XXXX. They were supposed to give me an offer within 30 days a partial claim offer. No one got back to me and I was calling every week they finally put some things through in XXXX and put me over my percentage for the partial claim. in XXXX I excepted it in person and loss mitigation name XXXX put in. I wanted a lower rate. He put a rejected the offer, which I did not so I had to go back and speak to a gentleman by the name of XXXX. At that time I found out they redid my loan, and my interest rate was even higher. I was paying originally XXXX then when they went and redid it it was XXXX and when I spoke to XXXX, it was XXXX a month. I excepted the XXXX even though it was much higher they sent me paperwork to fill out they had my divorce name on it as well as my current name. They sent the paperwork out to XX/XX/XXXX. I called and spoke to XXXX XX/XX/XXXX to explain the situation he told me to not sign the paperwork as there are XXXX different names. He escalated to his supervisor I called back on XX/XX/XXXX still no answer. I got a letter on my door stating I needed to sign the paper work notarize it and send it back. I then called freedom mortgage again and spoke to another gentleman who said this could take some time but if I could get the paperwork signed with the different names on it. I did try on XX/XX/XXXX I was able to find someone a XXXXXXXX XXXX would notarize it.I returned the overnight notarize documents on XX/XX/XXXX. In the mail today I received a letter dated XX/XX/XXXX that my case was closed and that I would have to seek additional assistance if I needed it this is absolute XXXX as I've been keeping in contact with them every week, and I was told not to sign it. They have XXXX me around left and right trying to make sure I could save my home which is now in foreclosure. I need assistance!! Please help!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with MICHIGAN XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VT)

I hold a Wells Fargo credit card whose minimum payment amount has dramatically increased despite being late within a few days of payment beginning in XX/XX/year>. I provided full payment and was met with my minimum payment amount increasing from {$100.00} in XXXX to {$250.00} in XXXX. I did not use the card for any payments. I have also been issued credit cards for the past XXXX decades without such actions being taken despite a late payment. I understand being charged a late fee, but not having my payment doubled for no reason. When I inquired about this issue with Wells Fargo, I was met with confusing logic regarding APR calculations. I explained to Wells Fargo that no other credit card company has applied this practice before. I last spoke with a Wells Fargo representative in XXXX as to why, with no additional activity, my minimum payment was still high. I also mentioned the CFPB as an outlet for additional conversation. Wells Fargo immediately interrogated me and directly asked if I felt I was being discriminated against. I said I was looking for information and a conversation. At no time did I state any form of the word " discrimination. '' I was left with the impression that someone would contact me. I received an email from Wells Fargo that I would only receive a {$50.00} credit. The next statement was issued days after. Again, I had not used my card and was waiting for additional dialogue from the company. My minimum payment jumped from {$230.00} to {$490.00}, I find this to be in bad faith, discriminatory, and retaliatory for expressing my rights as a consumer to speak with the CFPB. I can not make a {$500.00} payment, and now this amount is {$770.00}. I am happy to make payments, but when I mentioned the CFPB, this company 's response is to punish me. 

My credit limit also decreased some time ago without explanation. I am seeking assistance and will reach out to Wells Fargo despite their reluctance to leave any voicemail or email communications.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date ( XX/XX/ 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX