davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I can not understand why I have been continuously denied a bank credit card for the past several years. I have no leases, no mortgage, no bank loans, never been bankrupt, and I have always paid my monthly credit card balances in full unless there's been an issue with the US Postal Service. Per my credit score report it says that I only use 9 % of my available credit limit. I have no long term unpaid bills. It makes no sense that I make over {$600000.00} from the manufacturing company I own, I own over XXXX income properties producing over {$1.00} XXXX in revenue, I have my taxes paid in full, and yet I am always getting denied an application for a new account. 

My most recent denial was for a XXXX XXXX credit card. I have done business with that bank for more than twenty years. Experian agency reported my denial for the following reason : 1. Number of revolving bankcard trades opened in the last 24 months. ( I've had none! ) 2. Average Open Balance. ( None! ) 3. One or more bankcards with a balance greater than {$1000.00} on credit report. ( Not true if I pay in full each month ). 4. # Revolving trade lines with Balance. ( Where is this coming from? I have none!!! ) I have over {$2.00} million in my checking accounts. I pay my bills all the time. Yet how can these agencies smear my name with continuous denials? Why can't I get them to show the number of accounts opened in the past 24 months? How can this occur every year?
Consumer complaint received 2023-03-14
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. (MO)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-03-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX, and the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex eGift Card. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-12-11
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. (PA)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (GA)

I have retained new copies of my credit reports, and noticed that Flagship credit acceptance did not furnish the credit bureaus with the required disclosure, within the period required by law. Flagship credit acceptance are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023 at XXXX XXXX. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote TransUnion about late payments show up on my credit. 
On XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments IF YOU CHECK MY BANK STATEMENTS THESE LATE PAYMENT SHOULD BE REPORTING PAID ON TIME NEVER LATE FOR ALL 4 MONTHS
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (RI)

This complaint is a continuous complaint I filed with your Company on XX/XX/XXXX # XXXX, but I could not find how I could add comments of paperwork onto this complaint. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX  stating they denied my Fraud claim after review of the account and evaluation of the evidence provided they closed my claim without allowing me to appeal this case nor did they inform me of why I got denied. Claim # XXXX On XX/XX/XXXX I sent them another email asking why did my claim get denied and why did they close my claim without letting me appeal their decision. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX  stating they have completed their investigation and excused me of permitted another person to use my card and they treat that as I authorized this person to use my card and I am liable for any transaction and fess incurred by these people. My wife XXXX XXXX XXXX was the only other person who tried to help me use my card to make a purchase and that is when we found out it was on hold. They also told me to initiate an investigation through law enforcement to recover my losses. I never authorized anyone to use my gift, it was American Express that put a hold on my gift card for suspicious activity and when I called them to start a Fraud claim on XX/XX/XXXX, I have gotten the run around since then. 

They sent me another gift card with a balance on it of {$2.00}, I on received on XX/XX/XXXX which was the balance left on the card after my money was stolen from someone I did not authorize to use. I want my {$230.00} back that was stolen from me and I am not satisfied with this decision they made nor am I happy about them closing my account so I can not appeal this decision.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

Ever since opening my Verizon Synchrony Bank credit card account back in XXXX of XXXX, there have been problems with making my payments by check through the mail. With my XXXX XXXX, payments are consistently received and processed with in 3 days of mailing but with Synchrony the payments are processed anywhere between 3 and 12 business days from the date of mailing. 

Recently, they charged me a late fee when I had sent the check a full 2 calendar weeks before the due date. I complained and they did reverse the charge, but still I have changed my Verizon billing to my checking account and will no longer be using the card. 

If Synchrony can not process payments in a timely manner they should not charge late fees.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax is allowing false information report on my credit file. I have been the victim of fraud and identity theft in the past. they are allowing 3 accounts to report falsely : XXXX XXXX XXXX, XXXX  XXXX , XXXX, and XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against TransUnion, XXXX, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ TRANSUNION, XXXX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( TransUnion, XXXX, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed on XXXX different occasions certified letters with tracking numbers for transunion to validate a few accounts and mail me back their actions. Ive received no response from them nor have they allowed or showed cause of validity of validation on my credit report for the accounts. 
Per 15 USC 1681 ( I )
Consumer complaint received 2024-05-01
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

Requested removal of XXXX  from mortgage from my loan servicer, Shellpoint / New Rez. XXXX is owned by XXXX XXXX. 

XXXX ID is XXXX XXXXXXXXXXXX 
Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My request to remove PMI was rejected by Shellpoint XXXX XXXX XXXX, for the stated reason of missed payments. 

However, this rejection seems to be in error, as XXXX  missed payments are due to XXXX XXXX, whose rules state that a mortgage which has exited XXXX, which is owned by XXXX XXXX XXXX and has made at least XXXX regular payments since, is eligible for XXXX  removal. 

Compounding problem may be that there are several legal fees which occurred while loan was under XXXX XXXX. XXXX Forbearance rules, for this type of loan owned by XXXX XXXX XXXX do not allow for legal fees due to XXXX XXXX.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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. (AZ)

All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Ive never entered in any agreement with XXXX XXXX XXXX. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.
Consumer complaint received 2023-05-02
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. (NY)

It is XXXX duty to be reporting correct and accurate information to TRANSUNION on my credit report and file, however, they are NOT. XXXX is reporting payment terms of 999 months to TRANSUNION on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in XXXX & TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give XXXX & TRANSUNION written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that XXXX & TRANSUNION have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

A fraudulent account was set up in my name and I attempted to cancel the account. They have given me the run around and Im unable to speak to a real person to cancel the account and avoid a further frustration or loss. Chime Financial , Inc. 
address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number : ( XXXX ) XXXX I just want the account cancelled as I did not open it.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela continues to make me send them the same paperwork over and over again, representatives assure me online that everything is complete only to find out the next call weeks/months later that some more paperwork is incomplete or needs to be done again. Try to get a hold of a supervisor or senior advisor results in wait times exceeding 3 hours with noo options for call backs or other communication.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

After a phone conversation, with IQ DATA International on or about XX/XX/XXXX, I mailed them a letter stating I disputed the debt and asked for debt validation. As a consumer, I have the right to request proof of validation of the debt and IQ Data should have provided me with the original debt or proof of debt and debtor 's name and address. They DID NOT! In my letter, I kindly informed IQ Data that pursuant to FDCPA that I was disputing the debt, and debt collection should stop until the original debt could be validated. Further, I requested that they do not attempt to contact me by phone but in writing again they violated my consumer rights because XXXX XXXX XXXX from their office called on XX/XX/XXXX and left a message on my cell phone. I demand that IQ Data International immediately stop collection actions and withdraw its negative reporting statement. I also demand that they only correspond to me in writing. IQ Data threatened to report this debt to the credit bureaus on the first call I had with XXXX XXXX and before validating the debt. IQ Data reported negative data on me to all 3 credit bureaus on XX/XX/XXXX, and after I disputed the debt. They did not give me proper due process. I am requesting an immediate resolution.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AK)

3 months in a row I was charged {$260.00} in interest on a {$3000.00} credit card, called the first time I was charged and was told the interest fee was a one time fee because the special promotion ended and I would not be charged again, 2 month in a row I was charged, I called them again today, XXXX and asked why I was charged two more times, she said because the special promotion ended again for another purchase and unless I paid it in full, {$3000.00} I would be charged a monthly interest of {$260.00}, which has to be illegal. I would rather file bankruptcy, it makes way more sense then to make a over {$100.00} payment that dies absolutely nothing because my interest charge is double the minimum payment due, I would never agree to this, it has to be a scam or illegal interest rate charged, Ill report this to anyone who will listen, This is a PayPal credit card through synchrony bank, ridiculous, I have 4 other credit cards with synchrony and none of them charge interest like that
Consumer complaint received 2023-05-02
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. (GA)

When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX  XX/XX/XXXX.