davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: Bread Financial Holdings, Inc. (NY)

BJ 's Parks Mastercard issued by Comenity Capital Bank holding customers rewards money due to the technology issue. This issue is going on for months and they are not giving 5 % rewards on purchase at BJ 's. The statement showing they are proving 2 % only and most case 0 % ( document attached ). The reward activities are very confusing and it appears the bank is hiding the reward money. There is no way for a consumer who can understand the reward activities in their online account. The Bank website showing the following message for months in their website. 
" Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance ''
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had a capital one savor credit card starting XXXX of XXXX, I Never missed a payment. My Credit score is good, I had been accepted credit limit increases instantly on 2 other credit cards. I have tried to get a credit increase with capital one in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I have called capital one and spoke to them countless times, the reason I don't get accepted for a credit limit increase from capital one is " Capital one is evaluating account activity at assigned credit limits. '' Nobody on the phone at capital one could explain what that reason meant. My limit is currently {$4000.00}. My other cards are {$10000.00}. Im writing this complaint because capital one is not abiding by the law, if they deny me a credit increase. I need a valid reason and not a statement that is not understood by their staff, I hope this will help get the increase I deserve. I have had patience with this company, I enjoy capital one and their easy to use app. 
XXXX.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-06-24
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. (CA)

XXXX XXXX reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Synchrony Bank continuously posted payments to my JC Penney account in error. 

The payments apparently belonged to a different account number and Cardholder name. 

The Payments applied to my account in error are as follows : XX/XX/XXXX - {$1000.00} acct XXXX ending in XXXX was returned " payment not authorized '' XX/XX/XXXX - {$1300.00} acct XXXX  ending in XXXX was returned " acct closed '' XX/XX/XXXX - {$1900.00} acct XXXX  ending in XXXX was returned " acct closed '' I reported these payments were not issued by me and not my financial institution, they sent a letter of apology for the payment on XX/XX/XXXX posted to my acct in error. 

I received a following letter stating my acct was closed because of these payments. Two of these payments are from the acct number they stated was posted in error. The balance is also greater than i would have previously charged. I have asked for copies of these checks so i can pursue possible fraud charges, i have also asked for location of delivery or purchases for the items charged. Jc Penney and Synchrony Bank have not assisted in this endeavor at all, but they did manage to close my account because of THEIR ERROR and failure to protect THE CONSUMER from their own Failed processes. Why did Synchrony Bank send a letter of apology for posting a check to my acct in error and then use it as an excuse to close the account.. Synchrony Bank apparently has a history of doing this very same thing and I will not accept this as the norm. I want a SINCERE Letter of Apology and my Account Reinstated as it should have NEVER been closed.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!
Consumer complaint received 2020-11-19
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. (MD)

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX  and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX  *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Consumer complaint received 2021-01-02
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. (TX)

XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with XXXX XXXX XXXX. XXXX  XXXX. aka XXXX  took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX  made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that XXXX  was the agency to contact, I spoke with XXXX on XX/XX/2020. XXXX advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED XXXX to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

We were told by our loan officer, and by PMI disclosures we signed when we refinanced our mortgage with BSI financial, that we could remove the PMI when then loan to value ratio was 20 percent or higher. 

Since then, values in our neighborhood have risen rapidly, exceeding the 20 % loan-to value rate. On a number of occasions we have contacted BSI, trying to ascertain whether they would consider in their PMI calculation a new appraisal that indicated the currect home value. They said that if we paid for our own appraisal, mailed it in with a handwritten letter requesting that PMI be removed, it was very likely that the PMI would be removed. 

We did so, paying XXXX dollars to have our home appraised. The appraisal came in at XXXX, while our original loan was for XXXX. 

Today, I called again and asked to speak to speak to the person who made the decision to deny our request to remove the PMI. I was transferred to a XXXX XXXX, in the Loss and Mitigation department, who told me that my PMI could not be removed until two years had passed, and that, at that point, the loan-to-value ratio must be at 75 %. 

I told her in our loan disclosures ( PMI disclosure ) there was nothing about 75 %, and that I had been told from the beginning, and by customer service agents at BSI, that the ratio was 80 % .I even have a letter on their letterhead spelling this out numerically. 

I asked her if she could locate any of the initial disclosures I signed that specified two years or 75 %, and she asked to put me on hold and hung up on me ( perhaps unintentionally? ). This is the second time I have been placed on hold by BSI and hung up on this week! 

The bottom line is that I want this bank to be clear and consistent in its PMI policies, and I want them to be transparent from the start regarding the formula they use and how they determine the loan-to-value ratio. In addition, I want consumers to know which appraisal is used by BSI in making their decisions, and whether they are following the law and not simply arbitrarily making decisions.
Consumer complaint received 2023-06-24
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. (CT)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

Hi On Sunday XXXX the XXXX. 2021 between the hours of XXXX - XXXX ( XXXX  ) i called ( XXXX ) way2go program which is under XXXX XXXX  and selected 7 to get the result of my dispute but they do not provide any service and keep saying that he/she will transfer me to the dispute dept..even though i already selected the dispute dept ( button 7 ) and make me wait forever with no answer. After that day i have been getting the same treatment for 5 days regardless on my every day/ night calls Apparently they are just lying just get rid of the call. 
My dispute file number : XXXX The amount is XXXX $ Best regards XXXX XXXX. 


Sent from my XXXX  By XXXX XXXX XXXX XXXX Device XXXX  for XXXX
Consumer complaint received 2021-07-14
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. (IL)

I lost my wallet. I recently checked my credit report and saw many request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (OH)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX  XXXX  Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

Called the mortgage lender of my choice. Acquired preapproval for a mortgage. 

In the process, the lender checked my credit report. 

The next day I received not less than 15 unsolicited calls from mortgage lenders letting me know that the credit bureau had informed them that I was in the market for a mortgage loan. I asked which one several times and was told Experian. 

I never asked for mortgage offers. I have already secured the lender of my choice. I find it ridiculous that Experian would sell my info as a lead to multiple lending agencies without my consent ... inclusive of my PII and cellphone number! This should be illegal.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC (TX)

After opening and deposting funds into a savings account, they have locked my account. I am unable to access funds. I am unable to provide dates since I can not access any account information. 
I have called and spoken with 2 different individuals on 2 different occassions, both saying someone would call me back to rectify the situation. No one has ever called me back. 
Also, hold times to access someone are extensive. One time I held for over an hour before giving up. 
I even tried transferring funds into another account and a few days later they pulled it back. 
I'm not sure what is going on and they won't fix and say they don't know.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (VA)

I purchased a car in XX/XX/2022 and tried to make payments that was denied because they were partial payments. Also Social Services try to make payments on my behalf that was denied because they had a credit card. My car was repossessed in XX/XX/2022 due to the payment issues I was not able to come to an agreement with them on making a payment or making past due in order to get my car back on my XXXX XXXX it shows that my payments were all on time and I was up to date.
Consumer complaint received 2020-11-19
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. (NJ)

XXXX XXXX  erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX  child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Consumer complaint received 2022-03-10
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. (NV)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.