davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (VA)

I have repeatedly had difficulty trying to modify the terms of my CDs at renewal. I echo other complaints I've seen on Synchrony Bank CDs that they are difficult to modify or cancel. I will also add that Synchrony Bank is not transparent about the auto-renewal rate for CDs. On one of my most recent auto-renewals ( which occurred just a few days ago ), the rate for my renewal was lower than the current rate shown for the same term. When I asked about the discrepancy, a bank manager told me that the higher rate JUST came into effect as of " yesterday '' ( very convenient for them ) but the bank was unable to provide any further information to me showing that the rate at the time of my renewal just a few days prior to that was in fact lower ( " we can not send specific rate information to customers '' ). I just had to trust them that the rate had just changed, as of " yesterday. '' In addition, the difficulty I've had in trying to modify my CD before its maturity ( the term and the amount to be renewed ) is that I am unable to find these options when I log onto my account. I talked to multiple representatives, asking them specifically which buttons to select to be able to modify the terms and amount for CD renewals, and they vaguely say that those options exist but that I am currently unable to see them because my CD is not in its 30-day pre-renewal period. I told them several times to just explain to me where that option exists so that I am able to make those changes when the pre-renewal period begins. None of them could explain that to me, with one finally confessing that she just lets her own CDs auto-renew each time without any type of modification. 

In short, Synchrony Bank mades modifying or cancelling its CDs nearly impossible or at the very least very very difficult to do. There is also no transparency on the rates at which CDs auto-renew.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. XXXX Equifax and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend. 
I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-02-09
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. (NJ)

XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX  bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from XXXX on a email address they had on file that was not mine. I never had another email with XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope
Consumer complaint received 2022-07-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX and experian ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NH)

TD Bank provided an auto loan which was paid off. They reported it as late and unpaid and stopped reporting despite the loan being paid in full. 

They also had telephone lines that had well over an hour wait times making it difficult to deal with. Additionally, they would transfer or hang up on me continually. 

They are a terrible organization and not reputable .they have XXXX XXXX in fines with the government this year alone and should be barred from taking advantage of people and hurting them without reprise.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

OnXX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I am filing a complaint and rude nature of the employees within America First Credit Union. Having spoken to multiple associates about a vehicle payment that this organization has refused to accept. Upon attempting to contact this organization to discuss this I have encountered rude and unprofessional people that refuse to provide information to the department heads and managers of this organization. 

On XX/XX/15 at around XXXX am I contacted America First to discuss a block placed on my account from making payments to my loan. I spoke to an individual by the name of XXXX who refused to provide information of corporate leadership at America First Credit Union. This individual lied and provided misinformation on multiple occasions during this call as well as refused to provide a supervisor and threatened to hang up on me. An unfortunate and disgusting display of professionalism by numerous employees in this organization. XXXX that obviously rewards mistreatment and unprofessional handling of its customers. Also Speaking to XXXX who instead of providing options chose to use the moment to again threaten and cause undue stress and anxiety. These employees are using their titles and positions to act as thugs and bullies of this organization. A threat to the mental well being of anyone that has to deal with their thug approach I have attempted to resolve the matter within this organization and instead have been met with threats and frustration. Instead of allowing me to work towards paying this bill the company has done multiple things to stand in the way or block me from being able to pay this bill. An absolute counterproductive resolution option
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX and XX/XX/XXXX my wife ( XXXX XXXX ) and I paid a mechanic to replace an engine in my car. I paid him using PayPal in two different values. The first charge was for the engine totaling {$2500.00} for the cost of the engine plus the PayPal fees of {$75.00}. The second charge was to pay for the cost of labor which was {$1100.00} plus the additional PayPal fee of {$33.00}. I sent the money to the account the mechanic specified. This mechanic has done work for us in the past so at the time I was not concerned about sending him the agreed upon amount. However, through several attempts and ongoing issues he canceled with me. On XX/XX/XXXX ; he told me over the phone that he no longer wanted to replace my engine and that he would try and refund me later. The money I paid him was from my XXXX backpay money as I have been deemed permanently XXXX. My car has been broke down for a very long time. So I paid XXXX XXXX from XXXX XXXX XXXX the price he gave me. But now he took my XXXX money and never fixed my car. 

I contacted PayPal on XX/XX/XXXX to inform them of the situation and dispute the money I sent to him but they denied my dispute and told me to contact the bank that I used to send the money through PayPal in the first place. I have contacted XXXXXXXX XXXX on XXXX XXXX am still waiting for their answer. 

There were no services rendered. He did not honor what I paid for and instead kept the money. I never seen the apparent engine that I paid for and he never even fixed the car. He claimed that he bought the wrong engine initially and that he had to wait for a refund from that company. And now he claims that he has you wait for a refund for the supposed second engine that I have no proof of purchase from him either about. I feel like I got scammed and my money was not protected!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$380.00} XX/XX/year> 15 U.S.C, 1681section 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. 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 item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year>, I purchased XXXX XXXX XXXX concert tickets for a total of {$150.00} from XXXX. The concert got rescheduled so I sold my tickets through live nation for a total of {$86.00} on XX/XX/year>. I also had to provide my SSN to them for a XXXX report, in order to sell the tickets, which was filled out on XX/XX/XXXX. On XX/XX/XXXX, my debit card information was compromised and I got a charge for {$220.00} from XXXX XXXX XXXX.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 16921 XXXX XXXX  XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-07-20
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. (FL)

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX Services -XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance -XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (GA)

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made XXXX as well as EXPERIAN, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX XXXXXXXX and EXPERIAN has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for XXXX and EXPERIAN, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both XXXX and EXPERIAN in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To XXXX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling XXXX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that XXXX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX XXXX again denied my dispute about said fraud and inaccuracies.
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MI)

I had applied for XXXX on XX/XX/2022 due to me losing my employment and had reduction in hours. HAF of Michigan had sent over my application and requested my loan information XX/XX/2022 from Caliber Home Loans. HAF have attempted to call and email my mortgage servicing company ; Caliber Home Loans on multiple occasions. These dates include, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, Caliber Home Loans have not returned any emails or calls. I also have attempted to contact Caliber Home Loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in which customer service representatives keep implying they never received emails from XXXX. I also attempted to reach out to the main point of contacts for the Michigan HAF program, in which I emailed them on XX/XX/XXXX. The following representatives for XXXX in Michigan with Caliber Home Loans are XXXX XXXX, XXXX XXXX and XXXX XXXX. When I wrote these individuals via email, they have not responded and still have not responded or updated me.