davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-15
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. (TX)

When I investigated my credit report, I realized that the same information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2018-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dickinson Financial, LLC (WI)

I have a case with XXXX XXXX XXXX. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.
Consumer complaint received 2023-06-15
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. (FL)

I reviewed my consumer Report and noticed that I had 12 late payment on an account that I was never late for. Consumer reporting agencies have assumed have 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 XXXX XXXX ) Please investigate and provide 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. thanks,
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WA)

Purchase of {$3000.00} made in XXXX of XXXX with a CareCredit credit card using a promotional purchase with deferred interest if paid in pull over 24 months. I agreed to a fixed payment amount of {$120.00} at the time of purchase, spread out over 24 months to pay balance in full. Carecredit has a fixed interest of 26.99 % for my credit card for all purchases. After the initial {$3000.00} purchase, other purchases with promotional deferred interest were made. The {$120.00} payments I was making for the {$3000.00} purchase were applied to the other promotional balances, instead of the {$3000.00} purchase. If my balance kept increasing, why was my minimum balance not changed to allow for payments to all three promotional balances so that no deferred interested would be charged. XXXX of XXXX until XXXX of XXXX, no payments were applied to my original purchase balance. They were all applied to balances that were to expire sooner. Synchrony Bank does not state this practice anywhere, instead they state it is as they choose. The Credit Act of 2009 states that payment is applied to that with the highest interest rate, in my case, all purchases on the card have the same interest rate. They did not notify me that they would be applying payments to promotional balances expiring sooner. I made payments on time, every month. I was not notified of the practice of " Sychrony chooses what to pay without notifying consumer ''. 
And, since the deferred interest has now been charged to my account, there have been no payments made to that balance even though I am currently being charged interest on that- which goes against that Credit Act of 2009.
Consumer complaint received 2018-01-01
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. (CA)

Hello, I have uploaded documents to and my credit report because Ive been Trying to work and get thing off my credit that is not mine I didnt give anyone permission to use my name number address our social security card to anything with as of now its out of control I cant get any type of credit I have names on my account that shoul not be on my account I have credit-card, cellphone bills, cable bills, address credit inquiries its out of control I have documents that I have uploaded and I have more that show only name should be on my account is the one in the document I provide
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (SC)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

3 days ago ( XX/XX/2017 ) I sent XXXX bitcoin from bittrex to gdax ( I 've done it before several times ) I received a confirmation email from gdax - coinbase as usual but this time the bitcoin have never arrived Transaction hash is : XXXX I found my transaction in the blockchain and it is completed ( spent ) but I still have n't received the bitcoin I tried to contact gdax-coinbase several times but they do n't answer
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (CA)

When l checked my XXXX  Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

We live on XXXX XXXX  in the XXXX XXXX XXXX. Our home was damaged during Hurricane Irma on XX/XX/XXXX and declared a presidential disaster area. Our home is insured through the XXXX XXXX XXXX company sponsored by XXXX. After seven months we received our homeowner 's insurance settlement from XXXX  an insurance a check of {$290000.00}. We had to send the insurance check to the loss draft department at Flagstar Bank and it was received onXX/XX/XXXX as per policy.

Flagstar Bank loss draft department disperses our insurance proceeds based the amount of repairs accomplished. We have complied with every condition and submitted supporting documents requested by Flagstar. Contractor 's license, insurance, XXXX and all supporting invoices of materials and labor costs.The costs were all approved by our insurance company XXXX.

Because our home is on an island 1400 miles from XXXX  our replacement and building materials must be purchased in the US mainland and exported to XXXX XXXX before repairs can begin. The insurance estimate for materials was {$120000.00}. Flagstar 's loss draft department dispensed {$76000.00} onXX/XX/XXXX a shortfall of {$51000.00}. It is impossible for us to complete purchase of needed materials on account of this shortfall.Until this shortfall is corrected and all materials are paid in full they can not be exported to the XXXX XXXX and leave the USA to start repairs. The Flagstar policy can not be applied to mortgagees homes not in the continental United States.

After many emails, documents, and phone calls Flagstar 's loss draft processors will not disperse the funds needed to purchase all the materials to repair our home. Repairs can not be started until the materials arrive.We have a freight forwarder in XXXX  where all replacement materials are being consolidated and then will be shipped once purchases are complete.All replacement and building materials estimated at {$120000.00} will fill one shipping container which will be exported to begin repairs on arrival. The balance of {$170000.00} is projected for all labor costs.Once repairs begin contractor invoices can be submitted for labor payment. Flagstar underwrites mortgages in the US Territories but has no understanding of the difficulties in obtaining materials or that all materials must be fully paid and invoiced as paid to be exported.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.
Consumer complaint received 2018-01-03
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. (WI)

I was astonished when I looked at my XXXX, XXXX  and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MO)

I had leased a vehicle from Honda Finance and my lease ended in XX/XX/XXXX. In XX/XX/XXXX, Honda Finance charged me for property tax for the vehicle, despite me no longer owning the vehicle and the property tax being billed after my lease ending in XX/XX/XXXX. I asked for clarification as to why I owed this amount, and they placed a derogatory notice on my credit stating that I was 30 days late, despite me disputing the charge because it was not owed under the terms of the lease.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Experian is reporting two collection agencies trying to collect on a fraudulent debt that is not mine.XXXX XXXX is reporting a debt to Experian for {$790.00}. XXXX  XXXX is also trying to collect on the same fraudulent debt for $ XXXX.The original creditor is XXXX on both accounts.I have asked experian to remove both collects as they are fraudulent and duplicate accounts.Please Help.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I opened a 360 account with Capital One for a checking account. I deposited {$1000.00} balance into this account to keep it open. My account number is : XXXX. Routing number is : XXXX. Their phone number is : XXXX. I received one monthly statement or notice thereof, from Capital One. Thereafter someone saying they were from the bank called me and said he had to " verify '' my account, to determine if the bank would keep my account and the funds I put into it. He asked me numerous questions about my personal information. After 5-10 minutes of this he then said he had to again verify this information along w/ other information about my account. 
When he started asking me all of the same questions again, I told him I had other things to do and did not have time to waste answering the same questions. He then asked, do you wish to not be verified and i said, yes, I am tired of being verified and if they could not verify me with what they had already asked me to end the process and send my funds back to the account i transfered them from. I then hung up. 
When I did not receive my funds within the next 7-14days, I called Capital One and asked them where my money was. I was again told I had to go thru yet another verification process before they would return/ transfer my funds back to my original account. 

I have no intention of verifying anything else w/ this XXXX bank. it is my money. they have refused to let me use my account even though they already sent me a monthly statement and they have no right to make me verify anything to refund my money!
Consumer complaint received 2018-05-07
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: AMERICAN EXPRESS COMPANY (NY)

I opened a business credit card in XX/XX/XXXX ACCOUNT ENDING IN XXXX, I PAYED EVERY CHARGE I MADE ON THE CARD. ANOTHER CARD WAS FRAUDULENTLY ISSUES TO A XXXX XXXX WITHOUT MY AUTHORIZATION and various charges was made on a card that i did not authorize, some HOW they were able to changed my correct address to a unknown fraudulent address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX, according to the statements they sent to me on XX/XX/XXXX In XX/XX/XXXX AMERICAN EXPRESS AND TOLD THEM AND AFTER HAVING TO CALL SEVERAL TIMES THEY FINALLY CORRECTED THE PROBLEM IN XX/XX/XXXX AND I HAD A $ -XXXX CREDIT BALANCE ON THE ACCOUNT NOW I GET MY PERSONAL CREDIT REPORT AND THEY FLAG MY ACCOUNT AND PUT THAT FRAUDULENT CHARGES FROM THE BUSINESS ACCOUNT ON IT. 

I CALLED AMERICAN EXPRESS SEVERAL TIMES AND THEY CLAIM THEY DO NOT SEE THE ACCOUNT ON MY PROFILE, BECAUSE THE ADDRESS I GIVE THEM IS NOT ON THE ACCOUNT SO THEY CAN NOT GIVE ME ANY INFORMATION
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.
Consumer complaint received 2017-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
Consumer complaint received 2018-01-01
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: DISCOVER BANK (FL)

Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.
Consumer complaint received 2017-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Kwikcash, Inc. (CA)

We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.