davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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: Mid-South Adjustment Co., Inc. (AR)

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, Ar XXXX XXXX XXXX, and Mid-south collections were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I applied for XXXX XXXX card ( operating under Synchrony bank ) as it was heavily advertised in late XX/XX/XXXX. I then flew to XXXX in late XXXX and returned back to NY on XX/XX/XXXX. I never received my credit card in the first place but someone stole it and made a purchase of {$570.00} in XXXX. I was never in XXXX myself As soon as I returned in NY in late XX/XX/XXXX, I called up the bank to notify them about the fraudulent transaction and that I never received the card in the first place. I called them numerous times- they acknowledged that it was a fraud and that their fraud team will get back to me within 60 days and that I do not have to pay for the fraudulent purchase. 

However, I never heard back from them again. When I called them again after a month, on XX/XX/XXXX, they told me that they claim was not submitted although I did inform them of the fraud. Now they no longer respond to my calls and I'm unable to reach them.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (KS)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid off a charged off credit card on XX/XX/2020. I was informed by home refinance company I need a receipt to prove the had been paid. I contacted Bank of America on XX/XX/2020 to request a receipt for the payment. I was instructed that the receipt would automatically ve send within 10-15 business of payment. The money had been debited immediately from my checking account. As of XX/XX/2020 I have not received the receipt. I contacted Bank of America today and was informed that I had to specifically request a receipt for the payment. This information is materially different from the information I was given on my XX/XX/2020 call. This misinformation has caused a substantial and detrimental effect on my va home refinancing.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX Comenity Bank is harassing me regarding a small credit balance that I owe. I am currently not working and informed them of this. We are going through a COVID 19 pandemic as well and they are calling me from several different numbers and Unknown. The calls are coming in at least 20 times a day over and over. It is very stressful and they are not trying to work with me during this time. 

They have gone added extremely high fees to my account and added it to my credit report. They are commenting and different fees to my credit report every week. 
This is causing so much stress and XXXX. I can't take this harassment anymore and I need help.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WA)

I got a refund issued for a terrible experience with airbnb. I was granted a partial refund on XX/XX/XXXX, the day I called XXXX about the issue. Chime had nothing saying a refund was issued. Skip forward to today, 11 days later, I call XXXX again, as there was an issue on their end as well and I got that taken care of. I was told to call my bank to check on the refund, and today, after talking off and on with them since the XXXX... they had a note of the transaction magically be there after not seeing it for 11 days, and it said it hit my account. 
However, it did in fact NOT hit my acct. I was broken down in a car in Nevada driving back to XXXX and was desperate for that money to hit and it never did. I did math of all my transactions to ensure I didn't XXXX myself over with my low funds I had, and there is no {$420.00} refund anywhere in that. 
My statement also claims I have nearly {$700.00} more in my account than I do, so I feel very scared about there being a larger chunk of money missing than my refund. I have noticed keeping track of things on paper not lining up with my bank ... my card has been used by XXXX quite a few times, I'm getting a new one sent. 
I project I am out {$1100.00} in total. Ultimately, I want my {$420.00} refund from XXXX, and an explanation as to why my statement shows {$690.00} more dollars than I have. Nobody will tell me, phone representatives stay silent when I ask, at least 2 of them, silent. I feel very uncomfortable having my personal info and money in this company.

This is far from the first time I've seen large portions of my money go missing, or have had my card used by XXXX specifically multiple times for purchases not made by me since having Chime. 
I've attached my chime statement a representative told me she was reading from today that shows I have XXXX more than I have. She told me that wasn't on my statement and when I asked her why the balance shows as such, she and the next representative refused to say a single word to me. 
I'm incredibly positive this is real money that is missing from me and I'm devastated and horrified to realize that thinking money has been going missing the past few months seems to actually be happening...
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 : # XXXX, XXXX : # XXXX XXXX : # XXXXXX/XX/XXXXXXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) section states ; no consumer agency may make any consumer reporting containing Any of the following items information any other adverse items of information, other than record of convictions of a crime which antedates the report by more then sevens years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to Any other consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have been providing proof to Equifax that I have no Bankruptcy, XXXX XXXX has given me proof to show to Equifax that a Bankruptcy doesn't exist. XXXX XXXX checked PACER and found no Bankruptcies, PACER is a service that provides public access to federal court records and furthermore I was given a letter from the UNITED STATES BANKRUPTCY OFFICE at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that they DO NOT PROVIDE INFORMATION TO ANY AND ALL CREDIT REPORTING AGENCIES! If it doesn't show on PACER it doesn't exist! I have provided all documents below.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Fraudulent practice by Suntrust bank ( aka Truist bank ) using false numbers for the LIBOR index inflating the ARM interest rate adjustment We would appreciate your immediate help on this serious matter. 
We have recently discovered that the Suntrust bank ( aka Truist bank ) has been fraudulently using inflated variable interest rates on our mortgage loan resulting from using wrong number as the 6 month LIBOR index. Our mortgage loan is tied to the widely published 6 month LIBOR rate and expected to get adjusted every 6 months. 

Here are two examples such misdeeds ( ref Loan # XXXX ) : Suntrust ( Truist ) used : 1. A wrong XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 3.5 % current interest rate as opposed to the correct 3 % 2. Again a wrong 2. XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 4 % total interest as opposed to the correct 3.75 % I have filed several complains with detailed analysis and specific LIBOR index citations to Suntrust and the CEO, XXXX XXXX only to receive a rather generic response from a lower level employee defending their inflated rates without any direct citation for their fraudulent index number. If requested, I could send you my submitted analysis and citations. 
As a further confirmation of my LIBOR index numbers, a different bank for my another existing mortgage with almost identical terms, used the same LIBOR index as mine for the same dates. 

This is a serious fraud by Suntrust against the normally unsuspecting customers like me. This may have been going for a long time. I have not yet had a chance to inspect all periodic interest rate changes over the last 12 years or so. Other unsuspecting customers might have been affected by similar type of fraudulent practices by Suntrust. 

I would appreciate your swift remedial action to compel Suntrust to immediately rectify their misdeeds along with full recovery of our lost money with interests and appropriate punitive compensations. This has caused us significant amount of time in researching, analyzing and re-computing not to mention the mental and emotional grievances and stress we are enduring in our family. It goes without saying that they need to be held accountable for deceiving unsuspecting customers related to such common agreements. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  ACCOUNT 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 as a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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. (GA)

In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )
Consumer complaint received 2023-01-18
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. (NC)

Transunion STILL has not fixed the problem on my credit report with the reporting of a 3+ year old XXXX account with no activity from me since XX/XX/XXXX when the car was repossessed to suddenly reporting as a recent late in XXXX and XX/XX/XXXX. I am in the process of applying for a mortgage and Transunion 's errors in reporting have caused my FICO XXXX score to decrease XXXX points due to this and my Mortgage Fico XXXX score to decrease XXXX points at a crucial time!! All other things in my file remained positive and the same. My mortgage FICO with Transunion went from a XXXX on XXXX XXXX, XXXX to a XXXX on XX/XX/XXXX and my XXXX XXXX went from XXXX to XXXX on the same dates ( see attachments ). Also note on the attachments, it looks like the error was fixed in XXXX XXXX because I received my XXXX points back, but then when XXXX reported again the beginning of XX/XX/XXXX, I lost the same XXXX points again and on XX/XX/XXXX had a XXXX FiCO XXXX again. I worked really hard to raise my score paying off everything on my credit ( except this incorrect balance on the XXXX account ) and worked to build new credit, and it is extremely unfair that Transunion dropped my score like this. I need this XXXX account to report correctly as NO RECENT LATES and revert back to being 3+ years old for lates/negative activity and need ALL my points back that were taken due to this error. This is a Transunion reporting problem and XXXX has nothing to do with it so please stop initiating unnecessary disputes and just fix the account. This is my 3rd complaint due to this problem and Transunion still has not fixed it. At this point, I will be escalating this complaint to the NC Attorney General and possibly court because Transunion is violating federal law and my rights as a consumer to have accurate information reported and Transunion refuses to correct the error. 

XXXX reported this correctly as a 3+ year late even after XXXX disputes and updates and my scores did not change. XXXX also mistakenly changed the 3+ year late to one that was a recent 1 month late account, but I disputed it directly through them and also filed a CFPB complaint on XXXX and they corrected their error. The XXXX account now reports correctly again to a 3+ year old late, and I received all my points back when they corrected. I need Transunion to fix this problem and also correct the XXXX account back to a XXXX year old late or DELETE this account from my credit. It is unreal that I still have to request that this be fixed when the error is very clear. Please fix this as soon as possible! My lease is over XXXX and I have to move but due to this error, I can't even get the mortgage I was planning to because my scores are no longer high enough due to this error. Also, interest rates are very high and this problem is making me have a lower interest rate if I could get a mortgage somewhere. Thank you.
Consumer complaint received 2023-01-16
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. (NJ)

XXXX and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account KIA XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
KIA XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

XXXX Collections is sending me to collections for an account for Discount Tire. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.
Consumer complaint received 2023-01-04
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. (TX)

Transunion is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for Transunion to report this information nor provide my credit information to any of the following companies. When I contacted Transunion to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Transunion WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

Freedom Mortgage loan # XXXX This account has always been on auto draft and should not be reporting any late payments. My payments have been drafted at the end of the previous month. The payment for XX/XX/2022 was drafted at the end of XX/XX/2022. My payments were received however not applied to my monthly payment correctly. If there were any issues, I would have expected the mortgage company to call me asap.