davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SYNCHRONY FINANCIAL (TX)

I have been using PayPal for over a year and recently PayPal changed their usage structure without notice.

Now I am unable to make payment or purchases with my available credit " unless it is an approved purchase and approved vendor. '' I have an open line of credit that is in good standing but can nolonger access it as needed as before but am still being charged usage and interest fees without an ability to make any use of the line of credit.

They are forcing clients to open separate accounts to be able to use account properly. They have been pushing a debit and savings accounts that are now needed to use credit lines.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

Description of Problem I have outstanding student loans totaling {$200000.00}. Prior to the student loan pause, I was on the XXXX plan and my monthly payment was {$360.00}. My servicer changed from XXXX XXXX to Mohela in XXXX. Mohela recently notified me that I had been automatically converted to the SAVE and my monthly payment increased from {$360.00} to {$670.00}, even though I had previously been told that my payment would remain the same under the SAVE plan. My husband 's monthly payment similarly increased by several hundred dollars. 

This was very surprising and concerning to both of us because we have not re-certified our income since XXXX ( when we used our XXXX AGI as married joint filers ). We called Mohela twice and both times the representatives advised they did not know XXXX ) what income amount was used to calculate our new payments ( e.g., our XXXX AGI? Something else? ) and XXXX ) how the payment calculation was made. This is basic information that should be easily available to all borrowers. Instead, the agents pressured us to re-certify, which I understand we are not obligated to do until XXXX
Consumer complaint received 2023-10-11
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. (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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act : XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692b acquisition of location informati
on by debt collectors.
Consumer complaint received 2023-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (TX)

I hope this letter finds you well. 

I am writing to you as a concerned citizen and constituent of Texas, seeking your assistance and intervention regarding a grave issue I have been facing with my mortgage company, M & T Bank. 
My husband and I are both Veterans of the XXXX XXXX. I recently discovered alarming discrepancies in my attempts to make appropriate payments to my mortgage company and am working exhaustively to rectify the situation. However, there are several issues and potentially unlawful actions by my mortgage company, which have led to significant financial losses for my family. 

The issues I have encountered include M & T Bank rejecting my payments and not returning them, giving my husband and me incorrect information as to where our money is and how to obtain it back, conflicting communications and timelines, and stating that they can only call either my husband or myself, once per day. These actions not only violate the terms of our agreement but have also placed an unjust financial burden on my family and put my home at risk. 

My husband and I have made copious attempts to address these issues directly with M & T Bank, but their response has been unsatisfactory and uncooperative. I believe that my mortgage company 's actions may be in violation of state and federal laws, and I am seeking your assistance in holding them accountable for their actions. 

I appreciate your attention to this matter, as our home and our XXXX children are at risk. Thank you and I hope you have a good day and God bless. 

XXXX XXXX
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX  XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.
Consumer complaint received 2023-10-11
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. (TX)

In XXXX XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-11
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)

In XXXX XXXX I XXXX XXXX  sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act. 

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction. 

Unauthorized/Erroneous Account RESULT OF The Equifax Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Consumer complaint received 2023-04-24
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. (AL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate the account ( A ). I hope the disputed account is now updated. 
Please fix this account : XXXXDEPT OF ED XXXX Balance {$5700.00}
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Obviously banks use and or consider credit cards that they issue ( used or unused ) as an asset. Closing an account, does not stop this bank in particular, from issuing another credit card ( unwanted and un-requested ) to a prior customer even though said customer closed the account and specifically stated that they did not want another credit card issued in their name. I have previously had a credit card issued under these circumstances then be used a year later and the credit card company sent me the bill. It took six months for them to finally determine that the charges were fraudulent and not my responsibility. 

When the customer calls to complain they state " that the card is inactive, and that they will cancel THAT card '' but they will not say that the account is permanently closed and then as I said a year later issue a new card.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I believe I have reported before to XXXX and Chase this matter. I have a monthly charge from XXXX XXXX on XXXX of every month. We, my son and I, do not remember at all what it is. If it is my son 's game, I must have cancelled ; even though I believe he has used only free games. When I filed before, I checked XXXX XXXX. store and subscription, and I found I did not any subscription. Since I wondered again that there was another charge of this company, I tried to check XXXX again ; somehow, I could not get the authorization verification since I did not remember the password. Still, I could not open XXXX subscription site. Therefore, I have decided to check Chase itself and started the dispute. I realize every month the names of merchant type and category were different along with company name ; it called itself XXXX XXXX or just XXXX. It describes itself 'computer programming and design services, ' 'digital gemes, ' 'Cable and paid television services, ' and 'computer software store ' for its merchant type. And it calls itself 'professional services, ' 'entertainment, ' 'bill & utilities, ' and 'shopping ' for category. Since I do not remember what is this charge and company, I can not guess at all what is this company, whether it relates with XXXX XXXX ' and why I have charged this company about {$11.00} for years. I can not say at all how long I was charged, since the record of Chase starts from XXXX of XXXX. I tried to dispute all monthly charges, but I could not.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please delete the following items off my experian credit report. 

XXXX XXXX  XXXX XXXX : I have no knowledge of this account. Delete XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX : Never made a late payment, inaccurate delete XXXX XXXX : I have no knowledge of this account XXXX XXXX XXXX XXXX : I have no knowledge of this account
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, my cell phone and wallet were stolen, and my wallet contained my Chase debit card. This debit card, combined with the thief using my phone to respond " yes '' to fraud alerts, was used to rack up around {$10000.00} in purchases, which are quite obviously fraudulent since it does not at all match my pattern of behavior. These debit card purchases were not covered by Chase. My Chase credit cards were also used to make fraudulent purchases, although these WERE reverted. 

The purchases were were several large amounts at XXXX, " XXXX XXXX XXXX '', and several transfers to my XXXX account, which they had access to because it was installed on my phone without a password. I contacted XXXX within 24 hours, and they denied any responsibility or liability. 

I marked the debit card as stolen to chase and filed a report within 2 days. Chase responded to me on XX/XX/2023 stating the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

When I contacted them, I was told that they would refuse to make any modifications, even if I presented a police report. I was also told by the XXXX Police Department that they wouldn't be investigating due to insufficient evidence provided by me, and I do not have the resources to perform an investigation myself.
Consumer complaint received 2023-10-09
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. (IN)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.

15 U.S.C 166b - timing of payments- A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-06
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-09-01
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. (TX)

Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to my credit report.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, XXXX, XXXX, experian Are not reflecting proper credit age.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-04-19
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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