davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AL)

Last year I was low on funds for my XXXX birthday I decided to go to title max for a title loan that was XX/XX/2022 I qualified for XXXX but only got XXXX a couple months went by of me paying XXXX every month I notice on the billing app that my balance wasn't changing so I called to ask why was that I was told that the XXXX was just to hold the title and nothing else and if I wanted to make the balance go down I would have to pay more than XXXX at this point I'm in shock cause I have had a title pawn before and only had to pay XXXX extra dollars plus the money I borrowed that's it so the lady apologize for the for not explaining it to me fully.
Consumer complaint received 2023-05-22
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. (MI)

XXXXXXXX XXXX account was report fraud these fraudulent charges on this account has been report fraud a valid police report has been submitted to Equifax as well as XXXXXXXX XXXX XXXX XXXX from has violated my FCRA rights under 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c which I demand Equifax to exercise these right as they apply to me. 

XXXXXXXX XXXX is in violation of 15 U.S.C. 1692 f section 1, 2, 3 15 U.S.C. 1692 g
Consumer complaint received 2023-02-23
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. (FL)

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 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Ive received the following notice from WELLS FARGO : Your real estate taxes still need to be paid Pay your past-due taxes by XX/XX/XXXX to avoid an increase to your mortgage payment Dear XXXX XXXX XXXX Were reaching out because your real estate taxes still need to be paid.

1. If they remain unpaid, we may pay them on your behalf to prevent a lien on your property and possible loss of ownership through a tax sale.

2. Youll need to repay us for any taxes we pay on your behalf.

3. If we pay your taxes, we may set up an escrow account to collect for future tax bills. That escrow account can not be removed once it has been added and will increase your monthly payment. 
If you have not yet paid your taxes, make the payment to your taxing authority by XX/XX/XXXX. If someone else is responsible for paying your taxes, like a condominium association, let them know about the past-due payment right away. 
Note : Youll also receive a letter from us about this in the mail. 
If you have any questions or need further assistance, please contact us at the number below. 
XXXX XXXX XXXX Department Ive called them twice ( XX/XX/XXXX & XX/XX/XXXX ) advising that I dont owe any taxes. 
Asked them for details - they failed to answer any questions concerning the above notice. 
Send Wells Fargo ( XX/XX/XXXX ) the following response from the managing agent who collects my condo taxes : Dear XXXX, Your taxes are paid through the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards, XXXX XXXX XXXX Portfolio XXXX the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX XXXX XXXX Fax ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED COMMUNITY BANK (GA)

United Community Bank, again. 
UCBI I am the Administrator of an Estate, and as such, have an Estate Account held at the subject bank. 
On XX/XX/2023, a statement was generated for this account showing a balance of {$42.00}. There were no additional notes, notations, indications of dormancy, no contact attempts known to me as account holder on this Statement of Account, and as well, no additional notifications or letters are known to have been sent to inform me of any intention to charge my account with any kind of fees, and therefore no NOTICE was given regarding intent to charge any fees of any kind. 
On XX/XX/2023, ( two days later ) a second statement was generated for this account showing a balance of XXXX, after a debit was charged on XX/XX/2023 labeled as DORMANT FEE for the entire balance of {$42.00}. 
The Deposit Account Terms and Conditions state : " DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your account for an extended period of time, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned if we have been unable to contact you. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency, and we will have no further liability to you for such funds. We reserve the right not to send statements on accounts we consider dormant, subject to applicable law. '' Furthermore, the Personal Miscellaneous Fees ( Fee Schedule ) for this account indicates {$5.00} per month may be charged for Dormant Accounts. A reasonable understanding of this policy would indicate after attempt to notify the account holder ( me ) and a notice given on actual statements, then a {$5.00} fee per month would be deducted until the account balance is either exhausted or the determination that the account has been abandoned, and at that point, funds would potentially be escheated to the State ( Georgia ). 
No such notice was given, no monthly fees were charged, and the account was fraudulently depleted and inappropriately and allegedly illegally seized by UCBI to enrich the bank. Personal reports to me from at least one other individual with inside knowledge of policy and procedure indicate this type of action has happened to other accounts. I believe due to the prior reports and relationship, this action was intentional and directed as a way to expedite closing my relationship with UCBI.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (CA)

I mailed two certified draft checks from XXXX XXXX on XX/XX/2023 and PayPal still has updated my file.My credit report and available balance was not updated. I reached out to PayPal several times on the phone and chat. The representative told me in the chat that to refresh screen and would available. I called talked to a XXXX on the phone asked to speak to the corporate office team to file a complaint he stated couldnt do that. I explained to him about the California law a verbal agreement is the same as contractual agreement. The check cleared from XX/XX/XXXX.
Consumer complaint received 2023-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-08
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: American Reporting Company (PA)

In accordance with " The Fair Credit Reporting Act Convergent '', American Reporting Company on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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 2023-10-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and XXXX  As a victim of identity theft, I never authorized this information to be associated with my name.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

I cancelled my credit card with Barclays via the phone on XX/XX/XXXX. The total balance due was {$36.00}. I sent a letter acknowledging that on XX/XX/XXXX along with a check for {$36.00}. Barclays never closed the account and never deposited the check. As a result of Barclays incompetence they have decided to ruin my credit. My XXXX score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I have copies of the letter to Barclays and they certainly have my phone calls recorded. 
I own a successful multi-million dollar company, am totally debt free and can/and do pay cash for my purchases. 
What Barclays is doing is wrong on every level. Ask them to pull the recordings of our conversation on XXXX XXXX.
Consumer complaint received 2023-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

I initially did an application for a loan in XX/XX/2022. With Simmons Bank on XXXX XXXX, in XXXX, TN. I did everything she asked I was patient when she told me i should wait to file my Tax Return. After I filed my returns and we were moving forward, every week there were something different I needed to submit. She would never return calls, it was always a text, i would wait days for a return call. Finally we were at the point of getting ready to be looking for a house and she called me and told me there were no grants/funds available at their bank to offer clients for closing. I looked on their website and they have over XXXX XXXX dollars in grants. I was appalled because XXXX XXXX XXXX knows how important it is for me to purchase a home. I stressed to her the entire time I was working with her how ; I had my brother that got killed in a collision, made a promise to him to purchase a home.. I feel like a failure and I wasted six long months of my life to be lied to.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I opened a CareCredit card due to illness, the approved {$5300.00}. The balance I had left was {$700.00} and on XX/XX/XXXX I was charged more than {$1400.00} on interest over the whole amount not just the {$700.00} I had left, which is outrageous! This company is scam, I spent more than {$5000.00} and my physical pain has double due to this excessive amount of interest I'm being charged!
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (ID)

I had a medical appointment with XXXX XXXX. XXXX XXXX failed to file with my insurance company after multiple discussions in XXXX and XXXX of XXXX. I eventually contacted the insurance company in XXXX of XXXX and they contacted XXXX XXXX with me on the phone and said that XXXX XXXX was failing to file it under the proper state. In XXXX of XXXX we received our first letter from the debt collector, Harris & Harris. I asked the debt collector for time to discuss the bill with XXXX XXXX. We called XXXX XXXX again on XX/XX/XXXX and threatened a XXXX  complaint, at which time they escalated the complaint to management and filed the insurance correctly. On XX/XX/XXXX, within 30 days of the first debt collection letter, I sent a certified letter requesting debt validation. I then received a debt collection letter dated XX/XX/XXXX from Harris & Harris. I called Harris & Harris on XX/XX/XXXX and they verified that they had received the request for validation, but sent the letter because they were still processing my debt validation request. I understand that it is illegal for a debt collector to continue collections after receiving a request for validation within 30 days of initially informing me. They did continue collections by letter, of their own admittance, after receiving my request for validation.
Consumer complaint received 2023-05-22
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. (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: Aqua Finance, Inc. (TX)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I have a credit card with Ashley furniture/ synchrony bank . I have 2 purchases going on at the same time right now. One is no interest if paid by XX/XX/2023 and one is fixed apr until paid off. Every time I make a payment the wrong amount goes to the wrong purchase. I believe this is so that I end up paying interest on the purchase that is no interest if paid by XX/XX/2023. They keep putting my payments to the purchase that has interest when I specifically have called them multiple times telling them to allocate certain money to my 2 purchases. Customer service is horrible and I am told to do one thing and then later told that is not what I should be doing by different customer service representatives. I have also spoken with a manager by the name of XXXX from synchrony bank and all he did was apologize but not fix the situation at all. I am not happy and will never do business with Ashley furniture again due to this situation happening to me currently. It has caused me a lot of stress and anxiety financially.