davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (GA)

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.

has violated my rights. Or a 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX XXXX has a hard inquiry on my credit report that I did not authorize and the company confirmed that I have no applications filed with them in 2024. They put in a ticket to remove inquiry and it has not been removed from EQUIFAX
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

I received a digital letter from Synchrony Bank about my Lowe 's Credit Card account closure. Synchrony Bank shows that my credit score dropped below XXXX on XXXX and reason for this account closure. I immediately checked my XXXX credit report for my current and past scores. XXXX never shows my credit score dropping below XXXX at any point. I then contacted Synchrony Bank about the closure of my Lowe 's account. Synchrony Bank insisted that I contact XXXX about the inaccurate information reported. I explained to Synchrony Bank that I had just checked my XXXX report before contacting them. I explained that XXXX never reported my credit score dropping below XXXX ever. Synchrony Bank closed my Lowe 's account under false pretense. To further validate this to be false pretense, Synchrony Bank just approved me for {$3000.00} credit line with XXXX on XXXX. Synchrony Bank claims that on XXXX my XXXX score dropped below XXXX and the reason for closing my Lowe 's account. This is absolutely false and unfair information used to close my Lowe 's account. I asked that my account be reopened due to false information for account closure. Synchrony Bank said the account can't be reopened after it's been closed. I have never been late on any of my payments, nor have I missed any payments on this account since opening this credit line.
Consumer complaint received 2024-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

Carrington mortgage sent me my escrow analysis on XX/XX/year> stating I can pay my escrow shortage of {$460.00} by XX/XX/year> to prevent my monthly payment from increasing to cover the difference. 
When I called to make the payment I was told this is in fact not true for payments under {$600.00} and making a payment won't prevent the payment from increasing. I mentioned the document I was sent said otherwise. I was then told they just haven't updated the documents they mailed out and despite having something in writing stating I can pay this amount, doing so would not prevent my payment from increasing. 
Since I have document stating I can make a payment to prevent my future payments from increasing, I would like Carrington mortgage to honor this. 
What is concerning as well is if I had not called and just made the payment online I would not have been aware of the increased payment because I would have assumed my escrow account was caught up with my shortage payment.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I disputed this account on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The debt collector did not mail any documents until XX/XX/XXXX. The documents do not match what is being reported. The documents state I had 3 accounts and I did not. They refuse to remove the incorrect information. I paid the original creditor and was issued a refund for overpayment.
Consumer complaint received 2015-10-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

On XXXX/XXXX/XXXX, I called Nationstar Mortgage to make my XX/XX/XXXX mortgage payment. The representative told me that there is {$2500.00} unused ( un-applied ) funds in my account. The only payment I needed to make was {$3000.00}. I made that payment plus a {$19.00} service fee for making the payment over the phone. The payment was never applied to my account because when I made the XX/XX/XXXX payment on XXXX/XXXX/XXXX, Nationstar Mortgage applied it as XX/XX/XXXX payment. I received a letter XX/XX/XXXX to contact them if I have trouble paying my mortgage. I got alarmed and called them on XXXX/XXXX/XXXX. I was told that my XX/XX/XXXX payment was not made and what I paid in XX/XX/XXXX was in fact for XX/XX/XXXX. When I explained about the {$3000.00} payment in XXXX and the {$2500.00} of unused funds, the representative was able to confirm it and said that they would correct the issue. On XXXX/XXXX/XXXX, when I received my credit score, I noticed a drop in my score. When I pulled my credit report, I noticed that they reported a 30 day late for XX/XX/XXXX and they never fixed the XX/XX/XXXX paymentFurthermore, I noticed that they reported 120 days late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nationstar Mortgage received the servicing of my mortgage starting XXXX XXXX. They have received every single payment on time and should not have reported 120 days late to the credit agencies. The payments starting XXXX XXXX until XXXX XXXX are as follows. As shown, there is no late payment since the loan was Nationstar:XX/XX/XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXXXX/XX/XXXX Payment of XXXXWhen I called Nationstar, I spoke to an agent for one hour and he found the problem, but dropped the call before fixing it. I called again and after another whole hour, the agent said that he is transferring me to account resolution and instead of transferring, he dropped the call again. When I called back the customer service was closed.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT : XXXX XXXX ACCOUNT XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT ; XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I tried contacting XXXX XXXX XXXX XXXX via XXXX XXXX mail various times over the last 6 months beginning in XXXX of 2024 with this letter dated XXXX as the recent one and they do not respond. This is a final attempt to cure before I move to litigation for their gross negligence.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed this account on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The debt collector did not mail any documents until XX/XX/XXXX. The documents do not match what is being reported. The documents state I had 3 accounts and I did not. They refuse to remove the incorrect information. I paid the original creditor and was issued a refund for overpayment.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I disputed this account on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024. The debt collector did not mail any documents until XX/XX/XXXX. The documents do not match what is being reported. The documents state I had XXXX accounts and I did not. They refuse to remove the incorrect information. I paid the original creditor and was issued a refund for overpayment.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance the Fair Credit Reporting Act. The List of accounts below are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Personal information on each accounts addresses and number on credit report are completely inaccurate. - dates open are incorrect. -addresses on this report are incorrect & inaccurate. - Information on report is not showing. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 15 U.S.C 1681 section 604 A ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 section c ( a ) ( 5 ) : states no consumer reporting agency may make any consumer reporting containing any of the following items of information or 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 1681-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any reporting or third-party reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

A credit was submitted by a merchant at approx XXXX XXXX  on XX/XX/year> to my checking account. I followed up on XX/XX/year> to see why my credit wasn't reflected on my account. Wells Fargo explained that they could see the pending credit. I found this very unusual, since banks will only see credits on checking accounts once processing is complete. I called back again on XX/XX/year>, and I was again advised credit was " pending ''. I checked my checking account on-line again XX/XX/year>, and no sign of credit reflected on my checking account. I finally looked today XX/XX/year>, and strangely enough the credit is reflected with a posting date of XX/XX/year>. This is confirming that Wells Fargo is purposely delaying posting of credits issued. In my line work I assist guest with billing questions, such as settlements, authorizations, and credits to their checking accounts on behalf of the hotel. I've had quite a few customers calling regarding the processing of credits on their own Wells Fargo checking accounts. In 3-way calls with Wells Fargo , bank reps are telling account holders that credits are pending. Banks will usually advise account holders, that credits will reflect when processing is complete. Why? is it that if my credit was posted on XX/XX/year> is it not reflected till XX/XX/year>, something is very wrong with this practice.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I transferred money using my Chime account to what I thought to be a landlord renting an apartment I sent XXXX separate payments of {$600.00} each one for a security deposit and a second for the XXXX months rent waited for the person to show up at the apartment to sign the lease and get the keys only to have then not show and then not answer text or phone calls. Reported it to the police and immediately called Chime only for them to tell me, I had to request the individuals return the money and wait XXXX  days after the XXXX  day period when they did not return the money. I called Chime again only to have them rudely tell me that there was nothing they could do about it because they treated it like a cash transaction and that I should have been more careful in whom I send money to in the future.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Its been around 3 months already since I informed Bank of America about fraudulent activity on my accounts, they been difficult and not one bit helpful throughout this whole process. Now they concluded the claims and did not return all the fraudulent charges that were made, they are charging me interest on purchases I did not make and boosted up my minimum payments. On top of all this they charged me a late payment fee on a business credit card that they close a few days before the payment was due, so when I attempted to make the payment on the mobile app it did not allow me to make any payments to that account, which is ridiculous and i have video proof that when i try to make a payment through the app its does not give me the option to make payments to that account. On top of that I informed them of this and they still charged me a late payment and tried to make me pay the following month in advanced with extra interest fees and charges. They have boosted my minimum payment on this account to over {$200.00} and that's just that one account, they are doing something similar on my other 2 personal credit cards. This is ridiculous and they don't even care to assist me or inform me on what I should do. I have also requested information on why they are claiming that this charges weren't fraudulent and I never received it, this was well over a month ago. I don't understand why they are like this I have been complaining since the start and gave them all the information request and told them everything i know, even explained to them that my identity was stolen not only my credit cards and provided them with a Identity theft report from the Federal Trade Commission. At this point I'm making this complaints trying to get this out there so maybe some justice can be made, I'm already looking to just get a lawyer and take this to court. This is ridiculous I have missed so many appointment 's and even days of work because of all the calls and letters I've been having to deal with. Bank Of America is the only institution that's given me a hard time. XXXX literally made it soo nice and simple, I might take my self fully to chase and close all the business with Bank of America completely. I've been with bank of america for years now and never had and issue i dont understand why they have to be soo difficult, I have never even had a late payment in my whole credit history. Now they are ruining my credit score and this is affecting my relationship with other institution and given me a hard time whenever I apply for new credit or loans.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

i already have a complaint for ally financial the complaint number is XXXX  i dont know who else to turn to  i have spent this last week on the phone with ally financial at least 20hours no lie  and i have gotten no where! I paid the month of XXXX  late this month  but i paid it last thursday  and now they are saying im still late that i owe for XXXX  also,  This information is not correct.  my credit report even shows im not wrong.  I got a 2 extensions on this loan and make a partial payment and the rest would be on a deferment and the payment goes to the back of the loan.  In XXXX  of last year they keep saying i skipped a payment.  this is not correct,  i did the deferment  i even paid them XXXX  too much and ally financial mailed that back to me ally cant seem to grasp this and keeps saying i never paid the payment.  I keep telling them what happeed and i did a deferment but they cant seem to get it and keep asking me for another payment. I refuse to pay themXXXX in the month of XXXX  i paid them 3 payments if anything i am ahead at least one payment  also my loan amount is XXXX   the loan is 72 months i paid 46 payments and out of 46 payments only like XXXX  went to the princial..  this is outrageous.  this is not even XXXX  towards my payment every month, I am so upset and outrgaed.  i paid almost XXXX   and only XXXX  went to the principal im outraged.  also when i  first got this loan i paid 7 months and they applied 0 to the princial and they kept the entire payment,   thats not right something is wrong with this!!!!!  im aftaid if i dont pay the amount which they are saying i owe. (Which i dont owe) they will reposses my car and i need my car.  i have XXXX boys and i am always running them for school and sports  please help me  i have called them several times and like i said i have spent hours and hours on the phone with them i cant do it anymore  the end of the conversation ends with them saying i will get a call back  and no one calls me back
ally financial loan account number is XXXX
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX of XXXX, Capital One contacted me regarding an interest to a loan modification which I clearly explained that I had no desire to do so. Capital One then deliberately modified my auto loan without my consent increasing the amount and the duration of the original loan. Capital One claimed that they received my signature to authorize a loan modification via email, which I never received nor signed. After weeks of requesting a copy of what Capital One claimed to be my signature, Capital One sent me a document that was not legible. After continued further requests, Capital One sent me a document that was blank without any signatures what-so-ever. Due to being ignored a lawyer sent a letter to Capital One requesting the appropriate document ; whereby Capital One sent a legible, yet unprofessional, document which clearly is a blatant forgery regarding what they claim to be my signature. The plausible forger ( s ) would be a representative of Capital One ( which they deny ), XXXX XXXX, and/or an accomplice of XXXX XXXX . 

I am the co-borrow of this account which began on XXXX of XXXX. I did not receive an original contract, which includes the account number with Capital One. Capital One claimed I needed to contact the auto dealership for the contract, whereby the dealership claimed I needed to contact Capital One for the contract. This continued for months until both Capital One and the dealership finally sent me a copy of the original contract in XXXX of XXXX. I have never had possession, keys, title, etc. of the vehicle.