davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.
Consumer complaint received 2018-03-02
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: SECURITY FINANCE CORP (OH)

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX  I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken.

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX   again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken.

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX  and XXXX and XXXX to have them removed no action taken.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against TransUnion regarding inaccurate reporting of one of my accounts information.This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ), which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

I have recently discovered that TransUnion has included inaccurate information on my credit report, which appears to be linked to identity theft. This misuse of my personal information is concerning, as it undermines my financial credibility and affects my ability to secure credit. Identity theft occurs when someone unlawfully uses another person 's personal information, such as their name and Social Security number, without authorization. 

Additionally, I request that the account associated with XXXX XXXX XXXX be removed from my credit report, as it is a violation of the FCRA to report information that is not accurate. I have supporting documents that substantiate my claim and demonstrate that this account is not a charge-off. It's best contact XXXX XXXX XXXX about this account. Wanted to point this out as well Transunion continues to send me by mail stall tactic letters. 

I kindly ask that you investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please inform me of the outcome of your investigation and any steps taken to resolve this issue.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to trans union/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has restricted XXXX from linking my account. They originally did it with my debit card but will not allow me to link my bank account. I need to have this linked in order to withdrawal funds and they put me in a stressful position. They have restricted this with another website as well.
Consumer complaint received 2018-01-18
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. (NY)

I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I 've been having an ongoing dispute with a merchant who did not provide me a service and product that I purchased. I 've contacted them multiple times for over a month to get it resolved, but they did not help. 

I then contacted chase claims to try and get my money back through them. Yet after many days and long hours of providing information they asked for and providing all the proof they asked for, they denied the claims and are keeping the charges on my account. Therefore, I lost {$13000.00}. 

Chase 's reason is that it is a billing dispute that I need to handle with the merchant. Although repeatedly, I stated that I did not receive what I had paid for, so it is not a billing issue. 

I went through the reassertion process to get the claim reopened and provided everything they asked for. They said if I provided everything they asked for, it should be reopened. Yet, they came back with the same response, saying it 's a billing issue and can no longer be reopened.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had an account with XXXX in which has been paid in full.. They are reporting as Collection Chargeoff in which is untrue .... They are causing me financially hardship. I'm unable to get a mortgage or rent a home for me and my kids .... This has impacted my score
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (WI)

There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against TransUnion regarding inaccurate reporting of one of my accounts information.This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ), which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

I have recently discovered that TransUnion has included inaccurate information on my credit report, which appears to be linked to identity theft. This misuse of my personal information is concerning, as it undermines my financial credibility and affects my ability to secure credit. Identity theft occurs when someone unlawfully uses another person 's personal information, such as their name and Social Security number, without authorization. 

Additionally, I request that the account associated with XXXX XXXX XXXX be removed from my credit report, as it is a violation of the FCRA to report information that is not accurate. I have supporting documents that substantiate my claim and demonstrate that this account is not a charge-off. It's best contact XXXX XXXX XXXX about this account. Wanted to point this out as well Transunion continues to send me by mail stall tactic letters. 

I kindly ask that you investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please inform me of the outcome of your investigation and any steps taken to resolve this issue.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : I received a notice from Chase informing me effective XX/XX/XXXX that the interest rate on my Mileage Plus XXXX Credit Card will be jumping 52.6 %, from 9.49 % to 14.49 % The specific reason is that " We are changing the Annual Percentage Rates ( APRs ) as described because your APRs are below the lowest APRs we currently offer on similar accounts. '' Notice they're saying the rates are too LOW compared similar cards, NOT the same card. 

For no reason other than they feel that I'm not paying enough. Too LOW. Chase is being nothing but greedy XX/XX/XXXX : I called Chase customer service. I spoke to a representative. I spoke to a supervisor. They don't care. In their eyes, the agreements we signed previously don't hold up. They feel we're paying too little. 

When I challenged them as to if they would lower the rate if similar cards had lower rates, they said no. 

I pay an annual fee in line with agreement. I pay my bills on time. I have had this card for almost 20 years, and for no reason, Chase decides to be greedy and try to gouge me and others. 

I accepted the rate hikes in XX/XX/XXXX as a result of the CARD Act as reasonable.

I accept that my rate can change subject to Prime changing.

I can not accept that Chase has decided my rate is too low and they're not making enough money off me compared to Similar products. I didn't sign up for a similar product. I signed up for a SPECIFIC product and Chase should honor the contractual agreements around it.

I am asking the CFPB to investigate my situation and others who are impacted by this decision. I would like to ask CFPB look into the rationale behind this decision by Chase Management.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (KY)

My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. 
I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.
Consumer complaint received 2018-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

After the divorce of two of the three owners on the property ( one being unemployed for months and the other unable to financially contribute ), we attempted to sell however was unsuccessful even after lowering under value. In XX/XX/XXXX, I ( the third owner ) began submitting documents for the loan modification process. During this process, I have been through four different " Homeowner Support Specialists '' that all told me different things. I was told by the first representative to submit all paperwork with both my first mortgage and equity line account numbers on them so that the modification can be done at the same time for both. I was also told that if I accept any modified payment plan from XXXX XXXX then that would put a hold on the modification review. I submitted all the repetitive paperwork from XXXX until XX/XX/XXXX. In XX/XX/XXXX, the equity line was charged off due to missing documents. How can it be missing if you received it for both accounts at the same time and the 1st mortgage is in a modified payment plan????? I spoke with the latest " Homeowner Support Specialist '' that told me to contact the " Recovery Department ''. I contacted the " Recovery Department '' who told me that the loan was charged off due to being behind and not submitting documents. They said I had to speak with the new servicer. I spoke to the servicer who told me that I would have to speak to Citibank about why it was charged off and they wouldn't know. They also said that the loan is only with them until XX/XX/XXXX and then they don't know where it will be going. So I contacted Citibank once again and the " Recovery Department '' told me that I had to speak to someone in the Equity Department. I spoke to someone in the Equity Department that told me the same thing. I asked to speak to the Supervisor who said he couldn't help me after it is charged off due to not submitting the paperwork. I asked what paperwork was missing since they got it at the same time as the 1st mortgage. The " Supervisor '' said that he couldn't help me. I have been maintaining the property ALONE since then and am just trying to get a handle on the bills since it was thrown on me all at once. I have wasted countless hours trying to get both loans modified. I have gotten contradictory paperwork in the mail. At some point the modification was " rejected by me '' in the system when it wasn't ( but that was corrected ) I also got paperwork saying that Citibank wasn't the primary lien holder. BOTH ACCOUNTS ARE WITH CITIBANK. If the Equity Line was supposed to be handled separately ... WHY DIDN'T ANY OF THE FOUR HOMEOWNER SUPPORT SPECIALISTS TELL ME?????