davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On Friday  XXXX   XXXX  2016 I applied for a credit card towards the purchase of a painting from Park West Gallery aboard the   XXXX   XXXX   XXXX  . On   XXXX   XXXX   I cancelled I cancelled the order from Park West via email after realizing that the bill of sale did not include vital information indicating authenticity. I lost trust in the company after I reviewed the handouts they provided and everything was mismatched and worthless. For the record I received no benefit - No goods were shipped to me and I received no goods from Park West.
Around the end of  XXXX  the Park West Gallery Synchrony credit card arrived at my house - I immediately called and cancelled the card - I was clear that I did not want that card. I was even told by the representative over the phone You will never be able to have a card with Park West again - I said that 's all right. I destroyed the card and therefore never ever used it.
Mid to late   XXXX   of 2016 - I received a credit card statement from Synchrony Bank showing that I owed {$790.00}. I immediately called, not knowing where and how this occurred and the representatives answering the phone could not tell me a name of a company or provide any information other than what I already saw on the statement which was   XXXX   XXXX  . A few days later I received a letter from Park West indicating I had a credit with them for {$790.00} that I had to use by a certain time towards a purchase with them. I immediately sent registered letters to the credit card company as well as Park West indicating that I did not want to be forced to do business with them and according to Contract Law their bill of Sale is null and void.
Needless to say, I am getting harassing calls every hour on the hour from Synchrony Bank and this is now affecting my credit.
FACTS : I received NO GOODS. I received a bill from Park West Synchrony Bank and a credit from Park West Gallery for the same amount.  XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I reviewed my Consumer Reports and noticed that I had multiple payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

Flagstar Bank recently sold their entire listing of mortgage holders to " XXXX XXXX '' of Texas, another mortgage holding company. During this transaction, and as specified within the RESPA Act as unlawful, the information within my mortgage was altered before completion of the transaction to XXXX XXXX. I was sent a letter by Flagstar Bank indicating the transfer of my mortgage to this mortgage holding company. However, a portion of the information attached to my mortgage with Flagstar was removed, specifically an individual name that was first in line as to responsibility of repayment of the mortgage lien.
Consumer complaint received 2024-11-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( XXXX ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by XXXX in XX/XX/2024, but I didn't find out about it until XXXX, XXXX. If XXXX had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus immediately.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

Last week ( XX/XX/XXXX ), I attempted to use my Hone Depot Consumer Credit Card and it was declined. I called on XX/XX/XXXX and XXXX and was advised there was a Fraud Block on my account. I have never received any proactive communication regarding this matter from XXXX or Citi bank, the bank backing the merchants transactions. During my call I was transferred to Citi consumer protection and advised they would reach out to verify my identity. I waited the entire day without response. In the evening I decided to call back and ascertain if I could escalate. I was told I needed to wait for them to communicate ; however, no timeline or method was defined, phone, email or written correspondence. I asked to speak with a supervisor, after waiting 5 minutes, I was told a supervisor was not available and one would call me in 24-48 hours on XX/XX/XXXX. To date XX/XX/XXXX, I have yet to receive a call from Citi. I take Fraud alerts seriously and have an alert on my consumer credit file. When I establish any new trade line the retailers fraud department calls the Phone # listed on my credit report to verify my intention. I have never had to do this process once the relationship has been established. My assumption was this was in response to the XXXX data Breach and if so, again the method for response is less than favorable. On Friday XX/XX/XXXX I initiated a XXXX complaint with XXXX XXXX to escalate the situation to the Executive team. I did receive a prompt follow up from the XXXX XXXX  team that they would escalate to Citi. Also, on XX/XX/XXXX I again attempted to use my card at a Michigan store. The store associate was prompted to call Citi, and I was on hold for nearly 40 minutes. The Citi representative would state they left me a voicemail ; however, my phone never rang on the phone number listed on my credit report. I encouraged the XXXX XXXX  executive team to run a report to ascertain how many consumer accounts are fraud blocked. There should be requirements put in place for companies fraud blocking, send written communication, etc. These companies close card for inactivity, then require new credit inquires to reopen accounts at the detriment of consumers.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (CA)

After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?
Consumer complaint received 2024-08-31
Product: Credit reporting 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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XX/XX/year>, 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 that's the case. How did the credit bureaus edify 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 consumer 's 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 consumer 's 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. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XX/XX/year>, 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 that's the case. How did the credit bureaus edify 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 consumer 's 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 consumer 's 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. 

Bankruptcy XXXX # XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

I opened a high yield savings account on XX/XX/year> at Citibank via electronically. I tried transferring funds from a separate account to my new Citibank savings account from both XXXX XXXX and XXXX XXXX. On XX/XX/XXXX through XX/XX/XXXX I tried calling Citibank to regain access to my account after I notice it was no longer assessable via online. They told me I would need to contact the fraud department to verify my account information. They initially refused to give me any explanation of why they Closed my account and blocked my ability to try to access the funds I had transferred there. I tried transferring a total of {$100000.00} however I was able to stop the transaction from XXXX XXXX but the transaction from XXXX XXXX  was already posted to the account at approximately {$48000.00}. They told me that I would have to wait 30 to 60 days to have my funds returned. I demanded to speak to a supervisor, who asked me a series of questions and informed me that my account was being closed due to abnormal activity. They told me that they found it suspicious that I was using and logging into my account at different Wi-Fi networks. When I explained to them that I often login at home or work using different Wi-Fi they finally said that they would reinstate my account and that I would have access to this account today on XX/XX/year>. I still have not regained access to my account and they sent me an email saying that they are still going to close it and I would need to call them at the number they provided to expedite having my funds returned. I tried calling back and they claimed that they were unable to verify my account again because I did not have my account number and they gave me the same speech they gave me before that I am not able to verify my account so I would have to wait 30 to 60 days to get my funds back. I unfortunately was unable to get my account number information from the supervisor because they said that they can not give this out over the phone, and now I am unable to get a hold of XXXX the supervisor to figure out what happened.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

The monthly statements arrive during the first week of the month payment is due. Payments are due on the XXXX of every month. There have even been months when I have not received a monthly statement. 

I have yet to receive the XXXX XXXX  monthly statement. Today is XXXX XXXX. ( However, I have already paid XXXX 's statement on a piece of correspondence from NewRez. ) Months ago, I mailed an enclosed note with a monthly payment. I noted and stressed that not sending monthly statements before the due date, only encourages late payments. They responded in writing, and blamed the U.S. Postal Service. 

Today, I received a letter stating information on my payments is missing, or I'm using the wrong address, etc. I have always used copies of correspondence, with all necessary information on it. This letter may have gone out to all customers, as it stressed that there are other ways to make payments. Further, if the monthly statements arrived prior to due date, my payments would have the payment slip to mail with the payment. NewRez wants customers to default and/or make a late payment. 

I would never let a predatory debt collector direct access to my banking information. 

Since XX/XX/XXXXXXXX  ( mortgage began ), I have never missed nor been late with a payment. In the spring of XXXX, I received a letter that my loan will now be handled/processed by NewRez. All the same company, nothing would change, etc. Since then, this predatory debt collector, increased monthly payments for " projected tax and insurance hikes. Merely a way to increase their coffers. 

This company has had numerous class actions suits. Which they end up, settling, leaving town, reopening in another state, under another name, NewRez and/or Specialized Loan Servicing, or Shellpoint is all the same predatory company. 

Check XXXX XXXX XXXX for the hundreds, maybe thousands of customers complaints who have been abused by this company. 

I may very well be forced to refinance my mortgage with a true financial institution that handles mortgages. It would be worth a higher interest rate, to be free of a predatory debt collector.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2016-10-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2016 my son, XXXX XXXX XXXX, died. He had set up a living trust with his XXXX sons as successor trustees. He had created a trust banking account with Chase Bank. There are funds in that account totaling approximately {$450000.00} which the bank has thus far refused to release to the boys. It has been 5 months now and the account has only accrued {$13.00} in interest. This appears to be criminal in my opinion. The boys wish to invest in homes for themselves with these funds.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I went to Mattress Firm in XX/XX/XXXX to purchase a mattress. I was told that if I purchased a mattress with a Synchrony Credit card, I would not pay interest on the purchase so long as I made minimum payments. I signed up for the card on the basis of this representation. I have made minimum payments since signing up for the card through Auto-Pay. 

Today, I happened to look at my statement and noticed that my balance was higher than the purchase price of my mattress. I checked my statement and found that I was charged more than {$600.00} of interest since XX/XX/XXXX. After examining my statements, I discovered a notation that a promotional period had ended in XX/XX/XXXX, and I was retroactively charged interest for my purchase. I was not informed of the change by email when it occurred, and I did not see the change indicated because I have set up auto-pay. 

I would not have signed up for the card had I known that the zero-percent interest rate was only a year-long promotion. I feel that I have been defrauded and that Synchrony has deliberately obscured the promotional rate from me through their Auto-Pay system.
Consumer complaint received 2024-11-10
Product: Credit reporting 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 XXXX XXXX XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion and also { {$100000.00} } in damages for the pain and suffering and the credit violations.it has caused me lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX XXXX XXXX. 





I urgently need to extend credit to recover from this hardship, but I am unable to do so because of the inaccurate and misleading information TransUnion has reported regarding the XXXX XXXX XXXX XXXX account. These denials have caused substantial harm, both financially and emotionally, and are a direct consequence of XXXX XXXX XXXX XXXX failure to adhere to the legal standards set forth by the FCRA. I. Unauthorized Access and Permissible Purpose Violation TransUnion furnished my consumer report with XXXX XXXX XXXX XXXX tax write-off without my authorization. This action constitutes a clear violation of 15 U.S. Code 1681b, which mandates that a consumer report may only be shared with the consumer 's written consent. TransUnions unauthorized access to my report is a flagrant breach of my rights under the FCRA, and such conduct is intolerable. II. Inaccurate Reporting of XXXX XXXX XXXX XXXX Account The XXXX XXXX account listed on my report is inaccurately categorized as a charge-off. According to IRS guidelines, a debt in charge-off status is considered forgiven or discharged. Despite this, TransUnion has continued to report XXXX XXXX XXXX XXXX XXXX write-off as if it were still an active debt. This misinformation is a direct violation of 15 U.S. Code 1681e, which requires credit reporting agencies to follow procedures that ensure the maximum possible accuracy of the information they report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  is reporting a collection account on my experian credit report in the amount of {$3200.00} account number XXXX. According to FDCPA 15 usc 1692 my rights are being violated. I had never did any business with said a company nor have or had any active contracts.please have this deleted from my credit report immediately