davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IN)

PNC has an online bill payment system. There are options on the frequency of payments. 
The monthly option- allows a single monthly payment. The bi-weekly option sends XXXX payment every XXXX weeks. The XXXX XXXX option is not working as expected. The twice monthly option does not allow picking the dates of each payment - only the first payment - and the XXXX payment for the month is sent exactly XXXX weeks after the XXXX payment. This is not a true twice monthly option. This is the biweekly option disguised under a misleading category of twice monthly. I called the bank and they confirmed that a twice monthly payment would be sent XXXX weeks after the XXXX payment date. When I explained that this was not a twice monthly option- they had no other solution. I had to create a manual workaround to pay XXXX bills twice monthly.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 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 an account without my written instructions.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted the attached documents to XXXX, TransUnion and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
Consumer complaint received 2024-11-04
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. (AL)

I am submitting this complaint after discovering several collection accounts on my credit reports that I do not recognize and have no knowledge of. These accounts have been incorrectly attributed to me, and my efforts to address this issue directly with the credit bureaus have not produced any effective results. Despite providing detailed documentation to request verification and removal, the credit bureaus persist in reporting these accounts as valid without substantial evidence. This has significantly harmed my credit score and financial stability, and the continued inaction by the credit bureaus is both frustrating and unfair.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2023-05-29
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. (SC)

n accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX  ( XXXX ) XXXX XXXX  account # XXXX and XXXX  XXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 please provide proof that I provided written instructions to furnish this account along with a wet signature or these accounts must be deleted according to the fair credit reporting act
Consumer complaint received 2020-10-20
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. (IL)

TRANSUNION IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND XXXX IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I sent a debt validation letter multiple times. Once on XX/XX/2021 & XX/XX/2021. Each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

I applied for a Lowes promotional consumer credit card that had a 0 % interest for 6 months to purchase some windows for my home. I should have known better. It turns out, Lowes contracts with Synchrony Financial to provide the credit services. While I only had {$23.00} to payoff of the remaining balance, Synchrony decided to reduce my credit limit by {$400.00}, because I missed the last payment by 6 days, in addition, they charged me {$29.00} for the lay payment. I am ok with paying the {$29.00}, but dropping my credit line by {$400.00} is an insult and outrage and has a considerable negative impact on my credit rating. I contacted them several times and was told they cant do anything to reverse the decision to reduce my credit limit. My wife also had a CareCredit card for medical expenses, which was provided by Synchrony Bank. She had a zero balance on her account, however, without any notice, Synchrony closed her account. I have reviewed many of the recent complaints filed against Synchrony on the XXXX XXXX XXXX web site, and it seems Synchrony is systematically closing accounts or reducing credit limits of customers that have zero or low balances, or no interest payoffs. They claim the accounts are being closed because of low credit scores, but this is false. It doesnt take a rocket scientist to understand what they are doing. These accounts cost Synchrony money to keep open. Simply put, the bank does not make enough profit on the interest and the accounts are considered a liability. Since the economy is in a recession because of the coronavirus pandemic, Synchrony Financial is trying to reduce its credit liability by systematically closing accounts that have zero or low balances, and they are falsely claiming the accounts are being closed because of low credit scores. They are deliberately putting false statements on peoples credit reports as to why the accounts are being closed, which is lowering their credit scores, making it harder for them to take out loans, and increasing the cost of borrowing. I have a feeling the 13,000 complaints that have been filed with CFPB since 2017 against Synchrony are just a tip of the iceberg and that when there is a formal investigation into the business practices of Synchrony Financial credit card services, there is probably the potential for a class action lawsuit.
Consumer complaint received 2022-07-14
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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  Account # XXXX, 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 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

applied for jp morgan chase united card recieved with XXXX limit proof of letter. used it once they turned it off for verificvcation and fraud. had to charge an airline ticket on another card. went to weveral branches they said card ending in XXXX was not closed turned it back on and when i got to TN it was off again. went to several branches ande even emailed id verification paperwork and hard copies to the credit bureau experian. They sent me another card to my home in XXXX XXXX then charged me to ssend one TN where i was on vacation without the use of the new card. 


spent coutless hours at branches and on the phone. sent in a registered letter to opt of thier arbotration agreement but need guidance. im a XXXX veteran and my finances have been interrupted
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MA)

Bank name is shown but could also be found under : XXXX XXXX Credit Card I accessed XXXX XXXX XXXX website to make school uniform purchase for my child. As I checked out I was presented with option to apply for XXXX XXXX XXXX credit card and receive 50 % off today 's purchase. My purchase total was {$170.00}. Due to the sizable discount offered, I applied for the card. I was approved for {$4000.00} limit with {$650.00} available for immediate use. Screen prompted me to apply card to today 's purchase. I selected yes. Once I did, screen closed and new card was not applied to purchase. 

I had received email that account was opened and XXXX number to call for service. I called and they were unable to resolve, providing me either the card details or code to use for 50 % discount. I was told I could wait two weeks to receive card and then place order. This is shady and bait and switch. 

I requested the company remove the credit card hard inquiry and card itself from my credit report due to the tactics. I demanded a letter detailing both of these items be done and am not confident I will be receiving or that they will do as I requested. I fear they will only be closing the account. I spoke to three different people, each who i had to relay the situation to.
Consumer complaint received 2024-11-14
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. (TX)

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. If not resolved as requested I will file a lawsuit against your Agency. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.
Consumer complaint received 2021-09-15
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: LoanCare, LLC (GA)

LOANCARE LCC morgage lender. lied and put missed payments for about 10 months when loan was in forbearance due to covid 19. loan was paid in full in XXXX XXXX they wrote comments on my report since i filed a complaint a few months ago : they wrote no more than 2 missed payments .... but they did not fix my credit report. it still has red x 's saying missed payments. i need them to write letters to all 3 credit bureas stating that they were not late payments but showing loan was in forbearance. I can't get a loan b/c they messed up my credit. they will not talk to me on the phone i have been on hold for hours and hours within the past 6 mo. My payments were not late. they need to fix my credit report. 

we also made some payments during forbearance about {$3200.00} that was not deducted from the loan and we never saw that money in the payout.
Consumer complaint received 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

Hello My name is XXXX XXXX, I [ me and my wife ] received a FHA mortgage and it wound up in the hands of Wells Fargo XXXX Al. Although we have made regular payments for the last 10 years and paid down to 80 % of the original appraised price. 
I called and requested the mortgage insurance be removed, I was denied and told I could request again at 78 %. Why is this? I have NEVER been foreclosed on, I have a good credit score, and we make good salary. Why should I be forced to continue to pay this insurance to the ones who own the loan and set the appraisal. I was told by letter, after I had spoken with them on the phone the PMI could not come off until 78 %. 
Was told I could send {$1500.00} applied to principal would get to 78 %. But it could not be removed until 78 %.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-14
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. (MO)

I HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENTS, AND MY IDENTIFICATION PROVING MY IDENTITY AND THAT THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Please see attachments XXXX XXXX from Round Point Mortgage call me today asking for a copy of the missing payments and the $ XXXXcheck payment he wanted me to send him a copy of what I had. I ask him about the new money of {$21000.00} he did not give me a concrete answer only to keep referring to the missing funds it appears he was very concerned even gave me his personal phone number to call him back with the information he wanted, really sound suspect to me because when I ask him other questions about the loan he just went back to the missing checks situation. I told him he can email me like he did once before because I like to have everything in black and  white but he insisted on calling me over the phone.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MD)

In XXXX of XXXX I applied for and was accepted in to an auto loan deferment on my loan with Wells Fargo due to loss of income due to Covid. I was furloughed and was having difficulty making payments. XX/XX/XXXX of XXXX I received an email from Wells Fargo saying that my deferment period would be coming to an end soon but that I would receive further information on when my payments would be due again and what they would be. In XXXX of XXXX my vehicle was reposessed by Wells Fargo. I received no further information on when the payments would be due again or how much they would be. Per Wells Fargo, this was because they had been told not to contact my husband any longer by him. Regardless, I had received many emails up to that date about other products Wells Fargo was offering so I had been contacted by them, just not about my payment. I am complaining because I do not believe my vehicle should have been reposessed without being contacted prior and the related fees created a further financial hardship.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX   XXXX The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX
Consumer complaint received 2022-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, around XXXX pm, I withdrew money {$700.00} for my mother ( XXXX XXXX ) at the BofA ATM close by my house. After I entered the pin, the machine returned back the card and it went back to the main menu. I did not hear the machine dispensing or making any noise counting the money, not even the receipt printed. I thought that I might entered wrong key, so I withdraw the same amount, but the account was already debited so the fund was not sufficient. Then I checked the balance, I found out that the money was deducted from the account. I took out my phone and called ( XXXX ) XXXX, but I could not get through the live representative because it was after the hour. I disputed the transaction stating that there was no money dispense. The BofA sent me letter denial my claim, state that there was nothing wrong with the machine. I called the bank numerous times and spoke to different representative and got different answers each time. I requested the XXXX footage to prove if the money was dispensed out from the slot. The bank didnt provide the XXXX but sent me the blurry snap shot showed something on my right hand. I would like CFPB to help out since this is my mothers account and she is on SSI, and I want to prove myself too that all the statement above is the truth.