davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MD)

I have two accounts with, Synchrony Bank One account is with the Care credit card for dental bills which I only use twice. Once for a bridge and the other time for dental extraction. Which total about XXXX. I have been paying month. There is a issue with me paying after the due date because I pay most of my bill when I receive my social security check. Now the total is over XXXX. 
The second account is with JC Penny card but the payment goes to Synchrony Bank That balance is over XXXX. Something is very wrong with the amount of increase interest being charged and changed when no other purchase have been made on either of these cards, to justify this practice
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted documents to all three credit bureaus reporting the XXXX XXXX account is paid in full. Transunion just sent me my disputed credit report saying I still owe {$140.00} on this credit card. The correct balance is {$0.00}. I mailed my documents to all three credit bureaus via certified mail at my cost, and they still do not get it correct.
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all
Consumer complaint received 2020-07-08
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-25
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. (FL)

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Loan owned by XXXX was sold to LoanCare in XX/XX/XXXX. Payments were made to LoanCare in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was notified that I was behind in my mortgage payments. It was discovered that the payments were submitted to LoanCare with an incorrect account number provided to me by XXXX. I provided bank statements showing payments made to LoanCare, the amount and the account number submitted. LoanCare opened a research ticket to try to locate the payments. That ticket was closed and in XX/XX/XXXX I was notified again of my mortgage being in default and was approached with a loan modification. I called LoanCare in XX/XX/XXXX and explained the situation again to the representative and again emailed the bank statements showing payment. Representative stated she could do nothing about this and had to escalate to a supervisor. I continued to follow up with LoanCare monthly requesting status of the payments and each time a representative stated they didnt know what was going on and a research ticket would need to be opened. The most recent research ticket # with LoanCare is XXXX. I continue to request an update on this ticket, and I continue to get a response stating, Please allow more time for your request to be completed as it has been forwarded to the appropriate department for research and review. 
Now my loan has been sold again to XXXX XXXX. I made my fist payment to XXXX XXXX and notified them of the situation as I am now showing in default with XXXX XXXX. 
I have provided bank statements to XXXX XXXX as well showing the payments made to LoanCare in XXXX.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY BANK OF AMERICA! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! BANK OF AMERICA IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

BANK OF AMERICA RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED BANK OF AMERICA OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY BANK OF AMERICA ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my Bank of America Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

I am so tired of all these creditors credit profiling with without my permission invading my financial privacy of what goes on between me and another creditor is not any of your business. As long as i pay my monthly bill with you and always on time with my payments with you American Express These companies like to reduce your credit limit that they have approved you for even if you are paying your bills on time and every month. But when they reduce your limit it hurst your credit score and your income to ratio and also your credit usage so then it makes you over the limit or close to the limit as. American Express has drop my limit serveral times and wants to for me to make more payments on my account by restricting me with how much I can spend over all my accounts. So now I am over the limit for that reason. Im not sure what kind of system they have that profile their members but I dont like it something needs to be done about this. just because I dont pay my balance in full every month and use my cards occasionally I shouldnt be punished by whatever system is profiling me. These creditors encourage you to add other people on your accounts to get you to earn rewards and when you Amex you put restrictions on the amount we can spend and you send threading letters telling me that if I dont make a payment on my account my purchases will be declined even though i already made my payment for that month. This behavior by creditors needs to stop I feel its XXXX credit profiling. They should be happy that i am not over my limit by my default!! I just choose to use my credit wisely and not frivolously.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-14
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. (NY)

The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.
Consumer complaint received 2021-09-01
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-09-01
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. (FL)

Please see my related complaint XXXX-XXXX. However, I would like to know what Experian did when investigating my dispute. All of the steps that they took, all of the information that XXXX XXXX XXXX showed them and provided them with - everything that led them to rule that this is staying on my credit report. Pursuant to 15 usc 1681 ( a ) ewho did they interview? I would just like any and all correspondence between experian and XXXX  XXXX XXXX and all of the paperwork that resulted in this dispute investigation being closed and it being ruled it is legitimate and staying on my report negatively affecting my credit report please
Consumer complaint received 2022-10-18
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. (TN)

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX
Consumer complaint received 2022-10-18
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. (LA)

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I was granted forbearance during covid due to job loss. I was sent a letter stating i did not have to make a balloon payment because I had a XXXX XXXX loan and the care act options would be available to me. When the period ended I contacted the loan servicer and they made me jump through hoops and go through loss mitigation only to deny me any help. I have plenty of equity in my home and I feel like they are just trying to take my home to make a large profit. The only option I was given was to pay in full or foreclosure.
Consumer complaint received 2021-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (ME)

I made Bill pay mortgage payment though my bank, XXXX, to PRMG in the amount of XXXX and it cleared on XX/XX/XXXX for my XXXX payment. I received a collections call two weeks later stating that I had not made my payment. I spoke to a CSR who indicated she found that the payment was put in my escrow account for an unknown reason, and assured me she would correct it, remove the late fee and it wasnt being reported on my credit as late. I made my next payment on XX/XX/XXXX in the same way in the same amount ( my payment due amount is less than XXXX but I pay extra on principal ). Fast forward to about two weeks into XXXX and I began getting collections calls stating that I hadnt made my XXXX payment. I learned that my XX/XX/XXXX payment was never corrected and the XX/XX/XXXX payment was applied to my XXXX payment and not my XXXX payment. I have spoken to 5 seperate people, all have assured me it would be corrected and advised the payment was actually marked as an insurance refund but cant explain why they would mark it as such where it comes from the same place as all my payments for years and in the same amount I pay each time. I have now closed on the sale of that home and the mortgage has been paid off but that {$1000.00} was not applied to my mortgage to get the correct payoff amount, and the money has not been returned. The late fee has not been removed either. Despite multiple calls to prmg I get no resolution or return of money that belongs to me, and continue to get collections calls.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to get Transunion refused to unlock or unfreeze my account. they ask me questions that don't match my answer or they ask me for 6 digit number which i didn't no. For 2 months I have tried to get into my account for medical reasons but was unsuccessful. I've been told my account was being merged and now they say they are during Maintenace on my acct. I got into my acct today and they merge my account with my daughters and my sons friends. I tried to correct the information and then they lock me out of the account. I spoke to 3 different agent and a supervisor, and they all said the same thing. To call back a try to answer the question correctly. I said how can i answer the question when it pertain to someone else. I don't know what else to do.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I closed on a home loan with BoA in XXXX of 2019 to which my taxes and insurance were to be paid in escrow. Every month my statement showed taxes and insurance for escrow to which I paid on time monthly. BoA failed to pay my insurance. When my insurance contacted me about non payment I called boa and they said theyd immediately wire the money over. They did not.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXXBalance {$0.00} XXXX XXXX XXXXXXXX  {$18000.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$460.00} XXXX-Balance {$8300.00}
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (FL)

My previous home was sold on XX/XX/2020 and the mortgage with Homebridge was paid off. We received a letter of satisfactory. 6 months later Homebridge continues to report to all 3 credit bureaus that the account is open. This has affected my lifestyle and family tremendously as it shows that I have multiple homes and mortgages and it has negatively impacted me & my family. Ive attempted multiple times to resolve this with Homebridge and they continue to say to dispute it with credit bureaus instead of updating the account status. Ive requested to speak to a supervisor and Im denied to speak to one at the moment and told a request is submitted and I have to wait an unknown amount of time to receive a call back. I have yet to receive one.
Consumer complaint received 2021-09-01
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. (NC)

Follow up on case XXXX and complaint with how it was handled. 

Experian responded that they need my authorization to move forward with complaint. Once I contacted them to authorize this, the representative told me there's nothing she could do and she hung up on me. 

Not only is this unacceptable, it's a demonstrated pattern as this is not the first time one of their representatives has done this. 

The previous addresses need to be removed as I have already shown documentation and proof that I do not and have not lived at any of those locations. 

XXXX XXXX needs to be removed because the Date last Active and Date of Last Payment is not consistent across the bureaus - which will cause it it to be reported longer than acceptable by law. 

XXXX  XXXX has the same issue with Date Last Active and Date of Last payment. 

For the Collection account XXXX XXXX XXXX I have already provided you correspondence DIRECTLY from the furnisher stating that they do not even recognize the account and have no record of me even in their system. This needs to come off. I am tired of disputing this when you have not even made an attempt to treat this situation justly. 

XXXX XXXX, Date last active and date of last payment for the credit card with the {$3300.00} balance same as above. 

XXXX date last active grossly incorrect. 

Attached you will see another copy of my 3 bureau credit report as well as another copy of the correspondence from the company you are keeping on collections.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/2018 a withdraw of {$2500.00} was made by Navy Federal Credit Union ( NFCU ) from my XXXX checking account. They said it was " preauthorized '' which I didn't even know who they were. I told them to send me proof of my signature on anything for which I knew there was none, because I am the only person on my account and knew I didn't sign anything. They said there was no way of providing me anything proving my signature on anything.