davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (CA)

American Express utilizes a third party collection company known as XXXX XXXX based in XXXXXXXX XXXX. XXXXXXXX XXXXl represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by American Express will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and American Express is using a third party to avoid the regular banking rules and laws established by the United States Government.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (AL)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (PR)

By approximately XX/XX/2021, I received a call from a SUPERVISOR of the synchronic bank, claiming that I did not pay my credit card and that I have late fees. I have told him that i pay the full amount of {$2100.00} on XX/XX/2021, which is the amount that i owe from the credit card. That check comes from the Government of XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly has a balance. They tell me that the check was returned and I ask which address? and they said they dont know, and i told the supervisor that i have not received the check on my mail, because it was from my address that was sent. he don't no the address the date that the check was sent. that makes me think that some one cash out the check from the company or maybe they want me to pay twice. The supervisor did not know how to answer me and told me to wait a moment that he will look for more information in another department. After waiting about 30 minutes he tells me that the check was shredded because it had no funds. I told him that I needed proof that the check was shredded and to send me evidence of the check on his system. He refuse to do that because they don't save that information in the system. He tells me that he will do an investigation and call me back but in the meantime make a payment. I tell him I am not paying anything because my debt was paid in full and that I have proof that the check was cashed. They continue to insist that i have to paid and at this moment i owe more than {$3000.00}. I am already in a position where I am depressed by this situation. My credit is being affected by this situation. 
by this time i have never receive a call with a answer or a copy of check Please i need a real investigation of what is happening here. 
thank you
Consumer complaint received 2022-04-14
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. (IL)

accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX, Account # 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.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays company never notified me of a rate increase, when I called they stated because the federal government raises the rate they dont have to notify me. They also charged me double interest on my statement balance. If I paid half of my balance why are they calculating interest without acknowledging my payment-this is lying, stealing, and deceiving customers.

They told me the computers have been down for two hours thats why they cant look into my account to see what happened which is a lie..
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX, Account # 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.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX, Account # 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.
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

I inherited this property through my deceased Mothers estate 10 years ago. I am currently behind on the mortgage and I am selling the property to avoid any foreclosure. I attempted a short sale in XXXX, XXXX. There is a first mortgage with Carrington of {$65000.00} and a Partial Claim with HUD for {$26000.00} from a Loan Modification my Mother completed while XXXX XXXXXXXX. The short sale appraisal came back at {$130000.00}, therefore the short sale Carrington offered was higher than the mortgages owed. I have spoken with several Realtors and the house wouldn't sell for close to that. The previous tenants trashed the house and there is a major plumbing issue under the house which was reported to Carrington. I went to the house in XXXX before I went in to have a XXXX XXXX XXXXXXXX for XXXX XXXX and Carrington changed the front door locks on XX/XX/XXXX. They didn't contact me, nor had any legal right to change the locks on the house. I am not in foreclosure and I have been in contact regularly with Carrington in regards to selling this house. They immediately knew their wrong doing and removed the lock box and left the new lock key under a rock on the porch on XX/XX/XXXX. I requested an updated pay off from Carrington on XX/XX/XXXX and there are {$3200.00} in bogus fees. I called and spoke to a Customer Service Rep who couldn't advise any info on the fees. I asked to speak to a Supervisor and was transferred to XXXX. He couldn't provide any information as well and instructed me to " dispute '' the items. There are charges for Roof repairs, repair bids, Other, etc. There have been no repairs done. When they illegally changed the lock, they did put saran wrap over 2 toilets. I should not be paying for any repairs, lock changes, debris removal, etc as the changing of the locks was unauthorized and no repairs or debris removal has taken place. I am in the process of selling this property and need the pay off to be corrected. I do not want to have to take legal action in regards to the bogus fees charged and illegally changing the locks. Any help is appreciated. Thank you!
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

I am in chex systems due to some information being reported to Chex systems by. No one can tell me why I am being reported because the account is paid in full. They have never given an explanation of why my account was closed or anything. Now I can't open a bank account when the account is paid in full. My bank is out of state because I moved and now can not open a bank account here and no one know why.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2022-04-15
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)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. XXXX XXXX XXXX XXXX of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A few months back I had reached out to Capital One concerning my late XXXX XXXX XXXX account. And by way of recorded conversation I was informed that the account is still open. However on XX/XX/XXXX I called out of concern pertaining to my late mothers account. I was then told that the account was closed back in XXXX. And was instructed to send them an email with a reference number. In which I did and to this day theres been absolutely no response or closure to this issue. And Capital One is actually covering up for their errors due to Fraudulent Activities by my sister XXXX XXXX XXXX who had a fraudulent Power Of Attorney Document in which was proven by the courts and an actual Court Appointed Guardian was appointed to my late mothers care due to these fraudulent activities. Sadly Capital One has fallen into Criminal/ Fraudulent activities by deception
Consumer complaint received 2022-04-15
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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: CITIBANK, N.A. (FL)

This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (AR)

XXXX  has been reporting against me for years. I have requested a copy of my report with them several times. I have not been able to get a bank account in years which is really holding me Back. I tried calling them and everything
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Finance System of Richmond, Inc. (IN)

I received my first notice, i promptly sent the alleged debt collector a certified letter of validation. After 90 days I have yet to receive any validation. I received many statements and phones attempting to collect. When I answer I explain to them the debt hasn't been validated and I will not talk to them until it is. How do I get this to stop?
Consumer complaint received 2022-04-15
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (TX)

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 3. AMERICAN EXPRESS ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I had a moment I looked at my phone to see there was a high alert with my email account indicating that someone was trying to access it at that moment from another location. Shortly after this alert, I logged on to my bank account and made sure there was nothing going on. I immediately noticed an unauthorized charge to XXXX of {$33.00}. Concerned, I called Wells Fargo and spoke with someone momentarily. I was at school, so I couldn't complete the conversation. Within the hour, my phone was not able to receive or make phone calls because of an outside source and I had no way to freeze my account. By the time I came home from work, I checked my account and it went from {$6000.00} to {$600.00}. While in tears, used my partners phone to call Wells Fargo, because my phone was still unable to make or receive phone calls. Wells Fargo representatives seemed incompetent with their knowledge of what protocols should or shouldn't happen-but I was sent to the 'Fraud department ' wherein I was assigned someone to take on my case. This individual just took a verbal statement- and I never heard from them again during the process of investigation. The fruadulent transactions happened in New York while XXXX XXXX XXXX  in Arizona. Further, I could confirm I did not authorize those charges-but the person conducting the 'investigation ' did not thoroughly look into this. At the end of the 10 day investigation, it was determined that my claim was not fruad and my funds were denied to be returned to me. As a side note : I had to get a new number and new sim card from XXXX. What was discovered was that the sim card in the system suddenly didn't match the one in my phone. The clerks were baffled by this but there was no way for them to explain it. I knew prior to seeing my funds disappear, that I was the victim of a cyber attack-the phone sim number being changed in the system confirmed it. This was a high tech crime and not handled correctly by representatives at Wells Fargo. Additionally, I did report this to the FBI cyber fraud/activity department. With this devastation of my bank account being wiped out-and the bank handling this so unfairly-I am seeking outside help. XXXX XXXX XXXX XXXX divorced- previous stay at home mom and that checking account was all I had.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX XXXX, Account # 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.
Consumer complaint received 2022-04-18
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

I have asked repeatedly for debt validation. I have asked for a copy of the original contract with my signature as well as itemized list of the balances owed. I also asked. The collection company has refused to provide the information. I am either placed on hold for hours with the phone repeatedly hanging up and no response to the letters. However they are reporting to my credit. Each report is reporting a different amount due.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In Accordance with the Fair Credit reporting Act. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy.

*15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX BANK XXXX XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2022-04-15
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. (FL)

Disputes not corrected! Insight - XXXX  cards, etc.As example from current report- '' This item was updated from our processing of your dispute in XX/XX/2020. '' Disputes filed over a week ago unresolved and posted incorrect. Score actually went down. Posting incorrect balances!!!!!