davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (TX)

XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report Transunion, XXXX, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

Navient account # XXXX is inaccurate in all credit bureaus XXXX, transunion and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (OH)

In XXXX I moved to apartment and they have tied up with XXXX XXXX XXXXthey send me some email to pay money and when I was trying to pay amount, I dont know how this card applied through me. 
Then in mid XXXX I got call from XXXX XXXX XXXX customer support they state like somebody did XXXX usd traction from my account.i informed them that was not me because till that time I didnt get XXXX card so I requested them to close my account. 
They reported to their fraud department and assured me your account is closed. 
But after that I received XXXX card so I thought it closed so I though and I never used But they never closed my account and still somebody using my XXXX  account behalf of me. 
I tried calling them lots of time but still my account active and Im getting emails and mails from XXXX  for paying amount which I didnt use.
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Sold the house on XXXX with escrow balance approximately {$1900.00}. Mortgage company said they would send balance of escrow by check within 30 to 60 days. Never received it. Mortgage company then said they would resend the check in XX/XX/2023. 
Never received it and still haven't received anything as of XX/XX/2023. Here 's an idea, send the check with tracking ( USPS or XXXX or XXXX ) so you can prove you sent it and see where it really ends up. Why does it have to be this complicated. Running out of patience. Somebody please help!!!
Consumer complaint received 2017-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (RI)

A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.
Consumer complaint received 2015-09-11
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: SUNTRUST BANKS, INC. (CA)

I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).
Consumer complaint received 2016-04-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GMA Investments, LLC (PA)

I received a phone call from a debt collection company called " Summit Receivables '' located in XXXX. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.
Consumer complaint received 2023-04-12
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. (CT)

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2023-04-12
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. (AZ)

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. XXXX XXXX XX/XX/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 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 2016-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (MS)

I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX Mastercard does not honor their promotions giving bonus points for purchases during the promo period. 

I signed up for a XXXX points promo during XX/XX/XXXXXX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points promo during XX/XX/XXXX-XX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) bonus points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points in the shopping category promo during XX/XX/XXXX-XX/XX/XXXX. I made {$50.00} of purchases in the shopping category in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint.
Consumer complaint received 2016-10-03
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BlueChip Financial (IA)

Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
Consumer complaint received 2023-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. 1681i section 611XXXX states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumers file.The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in the Fair Credit Reporting Act.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

In XXXX 2015 my credit card information was stolen and used at a Walmart in California. I reside in XXXX, Texas. I immediately reported this activity to Synchrony Bank and an investigation or claim was initiated, which I was told would last 4 to 6 weeks. Since then I have been in communication with Synchrony bank, but to no avail. I have been hung up on, yelled at, transferred to departments that were closed, and put on hold for over 30 minutes. I have spoken to customer service reps, supervisors, and fraud specialist. In XXXX 2015, after completing a survey that was not in the favor of the company, I received a letter stating my dispute had been resolved and my had been credited the amount. Today my balance still reflects the fraudulent charges. No one I have spoken to at Synchrony bank has worked to resolve this issue. This is just one of the three issues. The second issue is that since XXXX I have been making monthly payments, but the account balance never changes and I am unable to view any of my past payments. I have told the customer service reps time and time again about this issue, but to no avail. The third issue is that this amount is reporting to the XXXX credit bureaus and reflects that I am using more than 80 percent of credit on this account, resulting in a drop in my credit score every month. I am at my wits end with this company and I hope that this complaint will lead to a rightful outcome.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Dear Sir/Madam, I am writing to formally lodge a complaint against J.P. Morgan Chase Bank for fraudulent activity that occurred in my savings account. It has recently come to my attention that someone fraudulently withdrew a substantial amount of money, approximately {$10000.00}, from my account on three separate occasions within two days this week. While the bank has accepted responsibility and initiated an investigation, they have yet to deposit the stolen funds back into my account. This situation is highly concerning as it highlights the bank 's inability to safeguard its customers ' funds and maintain adequate security measures. 

My experience with J.P. Morgan Chase has been highly distressing, and I feel that appropriate measures must be taken to rectify this matter. I have been a customer of the bank for over 20 years and have never experienced such a breach of security. While I understand that mistakes can occur, the lack of transparency and support I have received during this process is unacceptable. As a result, I have decided to take appropriate action to obtain justice, including penalties and restitution for the stress and inconvenience caused to my family. 

This incident has eroded my trust in the bank 's ability to protect my funds and has left me feeling vulnerable and exposed. I urge the government to take a closer look at this issue and intervene to safeguard hard-working citizens like myself who entrust their funds to financial institutions. The safety and protection of customer funds should be of utmost importance and should never be compromised. 

I trust that the concerned authorities will take swift action to address this matter and ensure that justice is served. I look forward to receiving your prompt response and resolution to this matter.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Each time I setup payment plan a new holder took over my loan account. This made it difficult to keep up with loan amounts. Whenever my account fell into a new owner and my account was brought current, the balance increased drastically each time. My original loan amount had now increased in double the original balance.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (NC)

I am authorizing this complaint on my behalf. I submitted FTC report on XX/XX/XXXX and XX/XX/XXXX for the false claims the credit bureau is reporting. 
I can't believe you guys are taking advantage of me. I AM VERY UPSET with XXXX they credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account XXXX XXXXXXXX
Consumer complaint received 2023-04-12
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. (MI)

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account # XXXX ( 2 ) XXXX XXXX Account # XXXX ( 3 ) XXXX XXXX XXXX Account # XXXX ( 4 ) XXXX XXXX XXXX # XXXX ( 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX ( 6 ) XXXX  XXXX XXXX XXXX # XXXX ( 7 ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( 8 ) XXXX/DEPT OF EDUCATION Account # XXXX ( 9 ) XXXX XXXX XXXX ACCOUNT # XXXX ( 10 ) XXXX XXXX ACCOUNT # XXXX XXXX 11 ) XXXX XXXX ACCOUNT # XXXX ( 12 ) XXXX XXXX ACCOUNT # XXXX XXXX 13 ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2023-04-12
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. (WI)

On or about XX/XX/XXXX I called Equifax to disbute a medical collection under {$500.00}, that has been previously removed by XXXX  and XXXX and is reporting to my Equifax credit profile. 
XXXX XXXX XXXX XXXXXXXX is attempting to collect a medical debt for XXXX XXXX in the amount of {$410.00}. 
Equifax reinvestigation concludes the debt valid but failed to address the original complaint that the allege debt is under the new ( XXXX ) rule excluding medical debt reporting under {$500.00}. 
Matter of fact the " reinvestigation '' does not even include verbiage to suggest my specific complaint. 
Furthermore the " reinvestigation '' did not address the issue I complained about nor did it capture the fact that XXXX  and XXXX have recently deleted this item from my credit profile. 
Ultimately, this item is being reported erranously and not equally across the 3 credit bureaus and for the 2 reasons given I would like this item removed from Equifax credit profile.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (PA)

Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.
Consumer complaint received 2017-02-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bayview Solutions LLC (PA)

I received a voicemail stating that a process service was attempting to serve me for a Notice to Appear. They left a phone number for me to call back to schedule the process server. If I did n't the case would proceed without me. XXXX XXXX XXXX or XXXX XXXX ( I called multiple times, it kept changing ) answered. I gave them the number that was left onmessage. XXXX and I scheduled a time. I asked him what this was in regards too. Thinking I was talking to a process server scheduler. At no time was I told this was a debt collector. He tells me it is for a tax refund offset that they filed for. He then proceeds to tell me I can settle and avoid the hearing. I am frantic at this moment, busy at work and not wanting a process server to come to my job. After he again told me that I was being given a notice to appear ( also on VM ) I make an offer. I still did n't know what this loan was or if I even owned jt. I was given very little information. I was scared. He tells me to make an offer. I was again thinking I was being sued. So I made an offer. I called back, sign contract and gave payment information for {$730.00}. The contract comes over from Bayview collection agency. I have NEVER heard of them. I then proceeded to look up informatiom on them and I got very bad reviews. I then called out Magistrates office and they said there is no lawsuit. I then call XXXX back. He hung up when I asked who he worked for. I called again and left a message and asked for a letter of validation and that I had concerns about the legality of their methods. No response. I do n't know this company, I never received information from them. I have no Debt on my credit report for this acct.