davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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: Aldous & Associates, PLLC (NY)

I reached out to the law firm/collection agency to inform them that the information that was being reported on my credit was inaccurate and does not belong to me. The information thats been reported is an account I supposedly have with blink fitness that was opened on XX/XX/XXXX, however I moved from New York XX/XX/XXXX, I wrote a letter requesting verification of the debt and also made calls to the law firm informing them that this information is inaccurate and The account must be a fraudulent account, which does not belong to me and should be removed from my credit report, to which they insisted that I pay the debt and that their information that is being reported was received from their client ( XXXX XXXX  ), and is assumed to be correct and is going to continue to be reported until I pay the debt.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (DC)

Synchrony Financial issues a XXXX XXXX XXXX Credit card. With this card, you earn rewards in the form of XXXX Dollars that you can use to satisfy a XXXX XXXX or to acquire XXXX products. I have been a cardholder since very early in the history of the XXXX XXXX XXXX. Recently, due to known and shared technical issues, Synchrony tracks the XXXX Dollars earned BUT it is NOT posting this information on its own Mobile Application or transferring the information to XXXX. The net-effect of this is that the XXXX Dollars earned XXXX NOT be accessed or utilized. And, if you miss a XXXX billing cycle, you end up not being able to use the Reward Dollars to pay that invoice. 

This happened a few months ago. I reported it, complained about, and the situation was fixed. BUT it took a huge effort. NOW, it is happening again. My paper XXXX PDF XXXX statement accessible on the XXXX XXXX website indicates that I earned {$150.00} Reward Dollars through XX/XX/2021. HOWEVER, the XXXX and XXXX applications indicate XXXX XXXX ZERO XXXX  XXXX Dollars. I am attaching screenshots that show all of this. 

XXXX has to know about this and by NOT fixing it or failing to make sure it works XXXX knowing there were historical problems XXXX  it is undermining the very purpose for using the XXXX XXXX card. Essentially, the XXXX Dollars earned are being held XXXX and made so cardholders like me can not access the very benefits that were earned. 

The fundamental purpose for the Visa Card is, therefore, being undermined and rendering inoperative.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My Mortgage is in forbearance. The mortgage co I am dealing with has been deceptive and had terrible customer service. I have had to call them regularly about my forbearance as their website takes me in circles. Each time I talk to someone on the phone they do not know what they are doing. They have been misleading, misinformed, unhelpful. They will send me no paperwork about my home being in forbearance. Their excuse is they are backlogged, but they will escalate the request, which of course never achieves a result. Every three months I am charged a late fee for my mortgage of {$290.00}. When I call and say it is in forbearance, they say " You only requested Forbearance, you were never granted forbearance '' .They are always trying to force me into a Loan Modification. They have been deceptive, have terrible mortgage servicing practices, mistreated the consumer, terrible mortgage servicing misconduct, and are putting me at risk for losing my home. They have taken servicing shortcuts and charged me unnecessary fees. They have deceptive and abusive practices. They have harmed me as a consumer. I have spent hours on the phone with these people and it always falls on deaf ears. I have documented every call.
Consumer complaint received 2021-08-25
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)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HORIZON BANK (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CA)

I created a new TD Bank account inXX/XX/XXXX and I have been waiting on a debit card from the mail since then. This is my second time requesting a card, but I never received one both times. For the second attempt, I believe the card and PIN was misdelivered and is currently being used fraudulently by someone else. 

The transactions were made between XX/XX/XXXX to XXXX, XXXX in the total of over {$7000.00}. After the first transaction of XX/XX/XXXX, I called the bank on the morning of XX/XX/XXXX to report the fraudulent charges and cancel the card, however transactions were still being made on the card. These charges continued until XX/XX/XXXX. A full list of known charges has been attached to this complaint. Since I do not have access to my online banking, I'm not able to track these fraudulent charges myself and I obtained this list through an agent on the phone. 

Later that afternoon on XX/XX/XXXX, I was locked out of my account, leaving me without access to all of my savings. I am a current student at XXXX, and I have been unable to pay tuition due to funds missing from my account, as well as no way to access my bank at all. I am unable to pay bills or transfer money. I have called TD Bank every day for the past week, and they were unable to help me, only leaving me in circles. 

Some agents tell me the charges will be disputed ; others tell me that I am able to go into a branch to get my online banking unlocked. However, upon calling a physical branch, they told me they are unable to unlock my account for me and transferred me back to a call center agent. Later, the call center agent said that my account is being demarketed and cancelled. The Demarketing Team has not returned any of my voicemails and I have not heard from that team at all whatsoever. 

I have not received any of my lost funds back from the back, and TD Bank is attempting to cancel my account with all my savings inside, despite this being an issue they caused. I only recently opened this bank account in XXXX, and I have had issue after issue with TD with no one to help. Their customer service is terrible, and all their agents are useless in trying to understand my situation. 

No action was taking by TD to try to protect my funds. Even though their " fraud '' detection sent me a text to my phone about potential fraudulent charges, they did nothing to stop the charges. I have been locked out of my own bank account with no way to verify myself, because of TD 's " security features '', however their " security features '' were not enough to stop the thief from making thousands of dollars of transactions. Currently my bank account is still locked and I do not have access to any money.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Enterprises, LLC (FL)

In my review of my credit report XXXX XXXX is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (VA)

I just received and activated a credit card that was sent to me because my credit card company was bought out by a new bankComenity. The XXXX XXXX XXXX card already has several fraudulent charges, all of which are titled XXXX XXXX and originate from OH. The charges pre-date my activation of the card. I tried locking my card online and the website says there is a glitch. I tried adding alerts to my card and it says there is a glitch with that too. Nothing I do on the website will save. I called customer service and they are unable to report fraud or send me a new card. The system wont work on their end either. Their recommendation was to call back in an hour. I have seen online that many people are having similar issues.
Consumer complaint received 2021-08-25
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. (AZ)

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Consumer complaint received 2021-07-21
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. (CA)

After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau transunion put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and transunion blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. Transunion, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and transunion are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred two XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I've been requesting to cancel the escrow account with current mortgage company, XXXX XXXX XXXX ( serviced by Dovenmuehle ) since last XXXX. I called numerous times and emailed a couple time but theyre not either cancelling the escrow account nor resolving the problem. Instead, theyre charging the late fee although I made a payment on XX/XX/XXXX and making negative impact on my credit. 

The reason why I want to cancel the escrow account is that they made my property taxes due in XXXX delinquent until XXXX. Theyre not capable of following up the taxes in timely manner. I would not like to deal with them any more in regards to my taxes. 

I received the escrow analysis from them and see the escrow account shortage amount of {$1900.00}. I made a payment on XX/XX/XXXX to make up the shortage amount on the top of principal and interest, which is {$5600.00}. 

- property tax paid in XXXX : {$8600.00} - escrow amount I paid since XXXX till XXXX : {$6600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - escrow shortage : {$1900.00} payment for XXXX : {$3700.00} ( principal and interest ) + {$1900.00} ( shortgage ) = {$5600.00} {$1000.00} Until today, theyre not trying to resolve the matter but trying to charge me {$12000.00} escrow reserve amount and raised the monthly payment by {$3000.00}. 

Instead Theyre not trying to resolve the issue, theyre trying to hold more money from me and put my credit jeopardized. 

Theyre not qualified and responsible lender / mortgage servicing company. Please address this matter with them and they have them take an action to correct this right away.
Consumer complaint received 2021-06-03
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: BMW Financial Services NA, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BMW FINANCIAL SERVICES Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. The inquiry was not authorized XXXX XXXX XXXX  This is not mine. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.
Consumer complaint received 2021-08-25
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 has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Transunion. XXXX XXXX XXXX wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Transunion to remove account regarding XXXX XXXX in my Credit Report which is fraud.
Consumer complaint received 2021-08-25
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. (AL)

XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX XXXX go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, XXXX XXXX XXXX, Chex Systems, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXawfully obtaining my [ XXXX, XXXX, and/or TransUnion ] XXXX report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See XXXX XXXX XXXX XXXX. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( XXXX ) the purpose is certified in accordance with section XXXX of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX, XXXX, XXXX, 2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXXXXXX XXXX  DBA XXXX XXXX XXXX XXXX XXXXXXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C 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 <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand.

Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (MI)

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  experian XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  XXXX  experian ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.