davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CT)

In XXXX, I stopped service with XXXX XXXX, moved my wifes phone and mine over. I conducted this transaction in XXXX  ( XXXX XXXX XXXX, XXXX, XXXX  ). Later in XXXX, we moved to XXXX, XXXX Then in XX/XX/XXXX, we moved to XXXX . Coincidentally, my family in XXXX  also has XXXX. 

In the early months of XXXX, I was receiving text messages and emails that the accounts are paid. I logged into XXXX and did not see a bill associated with my address. Therefore, I thought these were associated with my family in XXXX. 

In XX/XX/XXXX, I contacted XXXX. They said I owed them for 2 months of a cellular bill. 
We both determined that my phone accounts were no longer active, had been switched in XXXX. They apologized and indicated they owed me. They mentioned perhaps when the phones were changed, the host store failed to de-activate the sim attached to the phone. I said, that made sense no worries. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said 1st I cant even see the bill. Second, last time I spoke to someone we noted perhaps there is an errand sim card that was not properly deactivated. They also recognized this was the case and said I would receive 3 checks in separate payments. I said fine. 

In XX/XX/XXXX, I got a call from XXXX stating I owed money. I said absolutely not and stop harassing me. You guys owe me money. 

In XX/XX/XXXX, I started seeing text from Credence XXXX XXXX. 

In XX/XX/XXXX, I gave up tried to log into the XXXX XXXX portal to pay the bill. The portal didnt work. 

In XXXX, I tried again. Didnt work. 

In XX/XX/XXXX, I applied for home loan. My credit score went from XXXX to XXXX!! I called the XXXX XXXX folks. They said sorry you were in an off-shore collection status. Since you live in XXXX  we have to on-shore you. 

I paid the bill. XXXX lied to me or failed to comply with what was agreed to in XXXX. I never had actual access to a billing statement they just sent me demands via text message.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I signed up for a XXXX month no interest special from Synchrony with a local furniture store. Went through a very standard information form to provide my income and information. After I was approved, I set up auto payments to align with the balance due and XXXX  month special ( I owed roughly {$16000.00} so monthly auto payments are {$1000.00} ). I have not missed any payments and everything seemed to be going fine. 

I logged into my account for the first time after a few months and noticed that Synchrony has been adding roughly {$150.00} to my balance every month. They've added over {$1000.00} in junk fees that I NEVER agreed to. They signed me up for some extra service that I had no knowledge of and no interest in. I have no idea how I was signed up for this extra service. I've never seen any similar extra service with any credit card I've ever used. The name of the service is " XXXX XXXX XXXX. ''
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

On XX/XX/XXXX a payment was made to XXXX XXXX XXXX XXXX XXXX  ) in the amount {$1100.00} using my bill pay service with Mountain America Credit Union. On XX/XX/XXXX, I was notified that my mortgage had been sold to XXXX XXXX and that the loan was delinquent. The new loan company called XXXX with me in a XXXX way call. During that call, I was informed they did not show the payment and as the servicing had transitioned to the new provider, if they got it they would return it to the bank. I engaged Mountain America Credit Union ( MACU ) on XX/XX/XXXX. 

I was transferred to the bill pay department at she informed me that she would have to open a case. She stated that their bill pay function is managed through XXXX and someone from XXXX would be calling me. On XX/XX/XXXX, I reached out to the bank for an update and was on a call with them for over an hour. The prior agent had done nothing with the complaint. Almost 3 weeks after my first attempt, I was told again that XXXX would call me. On XX/XX/XXXX after not hearing from XXXX, I insisted on speaking to a manager. She was very helpful and I thought I was making progress. She agreed to forward me an email with the payment reference number and a summary of the action she was taking. XX/XX/XXXX I did get a call from XXXX but was in the middle of a meeting. I called back and attempted to do a 3 way call with the mortgage company. The mortgage company informed us that they could not find my account based on the SS # or the property address. As a result, XXXX said that there is nothing more they can do. They need the Mortgage company to find the payment that is mis-posted and without me on a call with the carrier their hands are tied. After getting no help from XXXX which is who MACU said would be able to solve the issue, I started calling around and found that there are no longer phone agents taking calls on XXXX accounts and when you call the XXXX # for XXXX it transfers you to the new servicer who then says they can not pull the account because it was closed ( sold to XXXX XXXX ) and therefore the information was not loaded to their system. 

In short, MAC pulled the funds from my account, XXXX transferred them to XXXX, XXXX claims they never received them. MACU is not providing a solution for getting my money back. Additionally, they are forcing me to work with XXXX with whom I do not have a relationship and XXXX can only solve the issue if I can get XXXX on the line for a XXXX way call which I was told is impossible as there are not phone agents. 

XXXX, I have spent hours on the phone trying to resolve the problem which in itself is an issue but on top of that, I am no closer today than I was on XXXX to a resolution. 

There are times through this process, that they have intentionally made it difficult to understand as if they think if they give me the runaround I will just go away. It feels very deceptive as if they are trying to take advantage of me because of my age.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/year> I opened a checking account with {$100.00} to fund the initial account. The Next day XX/XX/year> I wired to this new account $ XXXX from my Financial institution to Bank Of America. After the money was transferred over someone ( later told ) a Fraud Analyst closed my account. No one told or notified me that there was a problem with me account and that it was being closed. I have since spent hours with the local XXXX XXXX tiring to understand why the account was Closed ( there are a whole lot more labor pains that can be shared but I will spare you for now ) only to be told it was not closed but the Consumer no longer had access to it. I have tried to get an answer as to when this money is being returned with no solid answers. In the meantime my Business needs the funds to operate and I am collecting no Interest on my $ XXXX ... ..PLEASE HELP!!!!!!!!!!!!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EdFinancial Services (AR)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Has violated my rights, I recently looked at my credit report and noticed some things are incomplete and not accurate 15 U.S.C. 1681 refers to a section of the United States Code that deals with the Fair Credit Reporting Act ( FCRA ). The FCRA, enacted in 1970, regulates the collection, dissemination, and use of consumer information, including consumer credit information. The law is intended to ensure fairness, accuracy, and privacy in the collection and use of consumer credit information.

Key provisions of 15 U.S.C. 1681 include : Consumer Rights : Consumers have the right to access their credit reports, dispute incorrect or incomplete information, and seek damages for violations of the FCRA.

Obligations of Credit Reporting Agencies : Credit reporting agencies must follow certain procedures to ensure the accuracy of the information in consumer reports and must limit the use of these reports to permissible purposes. 
User Responsibilities : Entities that use consumer reports ( such as creditors, insurers, employers ) must do so only for legally permissible purposes and must notify consumers when adverse actions are taken based on a report. 
Enforcement and Penalties : The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and private individuals who may bring lawsuits for violations.

The law is a critical component of U.S. consumer protection, particularly in the area of credit and finance.
Consumer complaint received 2018-05-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (GA)

We applied for construction-to-permanent loan from BB & T bank in the beginning of XX/XX/XXXX. We were approved for the construction-to-permanent loan in the amount of {$680.00}. 
Based on agreement between BB & T and us, construction loan money will be transferred in increments, pending on completion of each step of the project to our checking account within BB & T bank. Money transfer should be upon our authorization, and from our BB & T checking account money were paid to the builder. 
Construction began in XX/XX/XXXX, and 98 % of house project was completed by XX/XX/XXXX,  where {$630000.00} out of available {$680.00} were distributed properly based on our agreement. The person who was handling transfers from construction loan to checking account was XXXX XXXX, ( construction loan administrator ), contact number : ( XXXX ) XXXX - XXXX ; e-mail : XXXX XXXX XXXX, XXXX XXXX XXXX stopped transferring money from construction loan to our checking account, despite our multiple request. Nevertheless, she transferred money in nine increments in total amount of {$53000.00} in the period of two and half month, begging XX/XX/XXXX till XX/XX/XXXX to unauthorized account, without single conformation with us. Upon receiving in XX/XX/XXXX monthly construction billing statements, we have noticed few unauthorized draws in amount of {$30000.00}. Immediately we reached out to XXXX XXXX via e-mail and phone call, requesting explanation on suspicious, unauthorized draws, and asking to stop activities on our account. Despite multiple attempts to reach out to XXXX XXXX, XXXX XXXX ( loan officer originator ), and XXXX XXXX, ( construction loan administrator manager ) to resolve our situation, no one reached out to us. On the contrary, money from construction loan were continue to be transferred to unauthorized accounts without any of our knowledge, and by this time {$53000.00} are missing from our construction loan. We try to call, e-mail, and even went personally to the BB & T bank to resolve the situation, but no one could give us any explanation or answer. Because of inability to pay our current construction payments, construction is on hold, interested on unaccounted money has been accrue. We asking regulators on our behalf to reach out to BB & T and ask them to initiate investigation, also we would like BB & T to reach out to us in writing, informing us that investigation has been launched. In addition, BB & T needs to return improperly disbursed {$530000.00} to our BB & T checking account, so we can pay to our builder to complete the house.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union (NM)

I applied for First Tech Federal Credit Union on XX/XX/year> and received a secure message from First Tech asking for a clear copy of my social security card and drivers license. I provided this information to them. They stated my social security card wasnt clear enough. I told them that was the best I have at the moment but would get back to them. Their initial email stated I had 10 days to provide them with the documents yet they denied me the next day. So I applied again on XX/XX/year> and provided a very clear copy of my social card and drivers license. They denied me again on XX/XX/XXXX citing information from my XXXX report. I wrote them back asking why they denied me based on this as I can see my XXXX credit report and that they made a soft inquiry. All of my information I used to on my First Tech application was the same as on my credit report. They did not respond. The denials were manually done by a person as the emails came in hours or even days after application, at the end of the application process it stated it was under review, and the denial emails came in on the weekends. So its whoever was working on the weekend. In the mean time my wife XXXX XXXX XXXX had applied for First Tech, they asked for the same documents, and she provided them. They denied her several times as well stating information from her XXXX report. Her information on her application and credit report was the same and correct. The credit union states anyone can become a member several ways one being a member of the XXXX XXXX XXXX which you can join during the First Tech application process. This was the option we both chose. 

We are listed as each others spouses on our credit report. Considering there is no valid reason for denial we would like this matter investigated. We believe we have been denied based on discrimination. The Equal Credit Opportunity Act prohibits discrimination based on XXXX XXXX  and gender identity. There is someone working at First Tech Federal Credit Union who we believe is violating this law.
Consumer complaint received 2024-07-30
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. (GA)

Credit Profile Account : XXXX XXXX XXXX My car was totaled in XXXX. I was never late for a payment and was even paid out positive equity through a check. This account was paid and open, however 4 months later, an additional remark stating 'early termination/insurance loss ' was added to the account and its status changed to 'paid and closed '. This has caused my FICO credit scores to drop by roughly 80 points. It is showing on my FICO that I have late payments, when as can be proven through a thorough credit check, I have never paid any account late. After researching and speaking with finance professionals, the way the remark is worded ( early termination/insurance loss ), has tricked the FICO algorithm into thinking I have been a bad debtor. The account is paid and closed and has never been in collections ; I would like this account removed from all of my credit profiles because of its false and negative effect on my credit score, which is rendering me from financial freedom. Thank you.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (MA)

I have been disputing the issue on Experian for months now. My auto loan with navigant auto is being reported as late for the month of XX/XX/XXXX and ND ( no data ) for the months of XX/XX/XXXX through XX/XX/XXXX instead of paid on time. The issue continues despite my disputes and attempts to resolve with the financial institution directly.
Consumer complaint received 2024-08-25
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. (TX)

AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.
Consumer complaint received 2024-07-29
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. (MS)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had XXXX credit cards with capital one One with a limit of {$400.00} and the other with a limit of {$2500.00}. 
I just paid for a {$400.00} with a settlement plan and now when I go back to try to pay for the next one I'm faced with a debt of over XXXX XXXX dollars! 
Not to mention that they keep calling my phone and now they're not even giving me a payment option!
Consumer complaint received 2024-07-29
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)

This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.
Consumer complaint received 2024-10-18
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX. 
XXXX XXXX XXXX BANK XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX