davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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. (TX)

TransUnion Credit Reporting Agency continues to lower my credit score whenever I make a car payment or pay off a loan ahead of time, which is unfair. I sent hard-copy letters to TransUnion in XXXX, PA twice now ( on XX/XX/2020 and XX/XX/2020 ) but TransUnion continues to lower my score. I pay my bills on time and am actually ahead on payments, so my score should be going up instead of down. They also lowered my score by using a credit inquiry from a company that said their checking my score would not hurt my credit score. TransUnion did this same thing in the past and lowered my score by a point or two and then they remove it and allow the score to go up by a point. This is very frustrating and to my knowledge, against the law since they are not reporting fairly. They did this after my first complaint letter where I sent copies to the Federal Trade Commission asking for their help to get this resolved. Is TransUnion upset that I brought their faulty practices to the attention of a government agency and they are punishing me by continuing to reflect false credit information and a bad score???
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

There were two fraudulent charges made on my BJ 's Comenity XXXX XXXX Card in Colorado on XX/XX/XXXX, yet I live in Florida and have not been in Colorado nor purchased anything online there since XXXX. One was for about {$50.00} and the other about {$35.00}. I have called them every day and their automated system hangs up and disconnects my phone call and they never allow me to report this. I have tried calling at least 6 different numbers for Commenity Bank, their corporate headquarters yet no one will answer the phone and take my complaint of fraud and these charges are now on my bill which I do not owe. 
You can see from the attached file how this is not a charge that I made due to my location.
Consumer complaint received 2022-07-09
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: JPMORGAN CHASE & CO. (OH)

In Accordance with the Fair Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-12
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. (CA)

Pursuant to the FCRA, it is EQUIFAXS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-10-11
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. (IN)

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 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 2020-07-06
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was sued by Portfolio Recovery Associates. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive. 

Also I tried entering the last four of my SSN, but couldn't so here it is XXXX.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (MO)

Back in XXXX of 2011 I lost my wallet with all my personal information in it, as a result several credit accounts ware open in my name, I filed a police report and notified all the companies involved, most of the companies took care of the theft appropriately but a few companies responded that the debt was valid after they investigated the account, I then wrote the company back asking them how they came up with this outcome, because i was Curious On how they could say this when I know I didnt apply or open this particular fraudulent account, I never received a response from any of these companies ever again and they continue to ruin my credit as a result, this is extremely unfair and Im at a point to where I dont know what else to do to get these companies to comply with or work with me in any way or fashion. I have also had close family members open accounts in my name that I have disputed and the companies will not assist me in fixing the issue. I dont know what else to do!
Consumer complaint received 2022-07-11
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. (FL)

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
THE COMPANY HAS VIOLATED THE FCRA XXXX5USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MS)

Navient withdrew 3 payments XX/XX/2022 from my checking account. I called spoke to XXXX who promised it would be corrected. They made an unauthorized loan request to consolidate loans that are not proven to belong to me. I have disputed, filed XXXX, tried to reason with discrepancy without being successful. Started paying on their website which takes money from my check account without my authorization.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I bank with Chime. Chime is an online bank and someone was using my chime debit card number to make online purchases ( I DID NOT AUTHORIZED ANY OF THESE TRANSACTIONS ). This person stole {$22000.00} of my money. This person also created a XXXX XXXX account & tried to file my taxes for the 2020 year. They also made account changes to my chime spending account : Added a phone number to my account ( At least twice ), Enabled/Disabled the transactions for my Chime Visa Debit XXXX ( multiple times ), Added and/or removed my debit card number from XXXX XXXX, Added and/or removed my debit card number from XXXX XXXX. My attachments are detailed and list everything that this person or party stole from me. IAW every single POLICY that Chime Bank has they are wrong in denying my Unauthorized transaction claims. Chime is in Breech of their own User Agreement : I did not make any of the Transactions that I dispute. Chime did not even investigate. IAW the Visa Zero policy & with their own user agreement they need to give me my money back. If you read Chime 's reviews on the XXXX you will see they are not treating customers right, and don't investigate claims properly. I have documentation two days after the first fraud purchases was made that I told chime that I believed someone committed fraud. I asked them to cancel my debit card and they did not. I had no access to my account and no way to access it. I needed a cell phone in order to receive an 2-factor Authentication code and I did not have a cell phone. Chime was told this over and over again the only way that I was aware that anything happened was because I received some email notifications : one adding a phone number that wasn't mine, some stating my debit card was declined and some adding or removing my card from XXXX or XXXX XXXX. Chime did nothing to help! These charges was made online I'm not sure of all the places but most were in XXXX and XXXX Chime told me they was going to cancel my debit card and issue a new card number and this was their policy but they did not. I was told this 4 times. I also told chime to cancel my debit card on XXXX XX/XX/2020, they did not! I again asked them on XXXX XX/XX/2020 to cancel my debit card and they did not. Chime failed me like they have failed many others.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit (TX)

I received a credit monitoring alert on XX/XX/XXXX saying a new collections account from XXXX XXXX XXXX with a balance of {$2600.00} was added to my credit report. I had no knowledge of who they were and never received any notices, so contacted them immediately by email through their company website demanding verification of the debt, and disputed the reporting with TransUnion. The next day I received an email with a letter saying an old debt from XXXX had been assigned to Lake City Credit, an affiliate of theirs, showing they charged me interest in the amount of {$1100.00} with a computer print out of a debt from XXXX allegedly received from XXXX. I continued to demand a copy of the actual contract but never received it in spite of repeated requests ( see attached copies of email exchanges XXXX. TransUnion removed the account after the 2nd dispute but they continue to misrepresent their reporting to Equifax, and have doubled the amount they allege I owe to {$3000.00} as of XX/XX/XXXX. Ive done everything I can to get them to stop to no avail, and they refuse to provide me with a copy of the original contract or other proof allowing them to charge such ridiculous interest on the debt they claim I owe. They continue to illegally charge interest retroactively from XXXX years ago on a debt from they didnt acquire until XX/XX/XXXX, thereby increasing the reported amount to more than double what they claim I owe! They also failed to accurately report the original date of the debt, as well as their third-party debt buyer status, although they continue to report an interest increase in the balance each month. THIS COMPANY IS ILLEGALLY AFFECTING CONSUMER CREDIT REPORTS BY INTENTIONALLY REPORTING INCORRECT AMOUNTS & INFORMATION! THEY SHOULD BE SUED AS THEIR ACTIONS HAVE NEGATIVELY IMPACTED MY CREDIT REPORTS FOR ALMOST 2 YEARS!!!
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

I have been putting extra money into escrow and principal during 2020. I wanted to insure that the mortgage note would not increase for lack of escrow. I did this the previous year and mortgage was reduced. This year it wasnt reduced but increased reason being that I was short in escrow in spite of the fact they sent me an escrow refund. It was I am not honoring this money because I made up policy for this note to increase. Nor did I get a statement that my escrow was short and I would have an opportunity to pay more money so there would not be an increase. It took them forever to send the refund check even though I called and messaged. I keep messages in TD account. The reason for the increase they said was because of there was not enough escrow. Than why are you sending me a refund. All generic answers that did not make sense. I requested all my loan history of payments. We sent them we sent them we sent them just like the check. We cant respond to messages any more call. I called no copy of what was sent we have to request it. How long do you think this will go on. This is delay and garbage. Now I dont trust them, I am almost positive they did something wrong which is why I wanted documents for a professional to review.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

On XX/XX/2022 I got a collection call from First United Bank who holds my mortgage. I have had my mortgage with them and refinanced with them as I love their service and process. However, today, they called due to being past due on XX/XX/XXXX payment, which I am not due for, as they miss applied a bi-weekly payment to principal curtailment instead of unapplied balance waiting for the second half of the payment to come in. I have paid my mortgage with them this way for at least 2 years via XXXX XXXX XXXXXXXX online banking who sends them a check every-two weeks for the payment. ( see payment history ) When they called, it was easy to see, but since they said it was not a banking error, they would not reverse and reapply the payment as a partial payment, which would make XXXX XXXX. 

This is crazy and so simple, even if the inventor had been advanced the payment, that can be easily corrected and not make me, who has paid perfectly and often times in advance have to pay again a partial payment. 

As I called during the initial set up as I started these payments to be processed and ensured they would be processed right and followed up for a few payments to ensure they were going to unapplied then to full payment with a fraction, less than {$1.00}, going to curtailment. Again, this has been done on my loan with them for over 2 years, which this is the 2nd loan with them.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I made a {$1500.00} ACH payment to Synchrony Bank ( Amazon Store Card ) on XXXX. This transaction cleared my bank XXXX. As of today, XXXX, the payment is not reflected in my available balance, affecting my utilization score. When I called, I was told it was " a security issue and my payment is on hold until XXXX. '' Large payments are always held the service agent said. This is outrageous. 1/3 of the month my score will reflect the higher balance/utilization. When I make four {$100.00} payments a week, it posts the next day!!!
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Transunion has a very deceptive website that does not inform the customer that they will be charged {$29.00} for monitoring. I was simply trying to create an account so that I could lock my report. I was not informed about being charged for a service.
Consumer complaint received 2023-06-01
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case