davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (AR)

XX/XX/2023 bill for {$12.00} which was XXXX  out XXXX XXXX. 
Bill XX/XX/2023 saying we can be forgetful send {$12.00} to bring account up to date. 
This is all due to a cancellation of my order as they couldn't send persihables to a po box . I never got any product from them and have been calling, writing to them. I XX/XX/2023 the girl said the account was taken care of and now I have two bills from them.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary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 I did not initiate any of these inquires 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 ). 

1.EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 6. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 7. The inquiry was not authorized XXXX/XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2023 I initiated an online external money transfer of {$200000.00} from a XXXX XXXX  account under the name of my trust to Synchrony Bank. I have documentation from XXXX that the transfer went through to XXXX XXXX. I have email documentation from Synchrony Bank on XX/XX/2023 that there was a pending transfer from XXXX of {$200000.00}, and the expected delivery date into my Synchrony account would be XX/XX/2023. 

On XXXX, XX/XX/2023 I received an email from Synchrony Bank stating that my XXXX account was temporarily suspended from using the funds transfer service. I personally went into XXXX XXXX  and spoke with XXXX XXXX, XXXX XXXX. She confirmed that the {$200000.00} had been sent to Synchrony Bank, and that it was not pending return to XXXX. I phoned Synchrony Bank at approximately XXXX XXXX while meeting with XXXX XXXX, and spoke with a representative who told me there was confusion with the transfer since it was originating from a trust account at XXXX. My Synchrony Bank account is under the same XXXX. She contacted a Synchrony Bank XXXX Supervisor named XXXX. He confirmed with her that the {$200000.00} transfer would be sent back to our XXXX account and would be at XXXX within 24-48 hours. 

As of today, XX/XX/2023, Synchrony Bank has not transferred the funds back to my XXXX account. This {$200000.00} is also not appearing in my Synchrony Bank account. These funds appear to be lost. 

I again phoned Synchrony Bank this morning, on XX/XX/2023 at XXXX XXXX., and the representative, XXXX, informed me that there was no one available who could help me with this missing {$200000.00} missing transfer. I left my phone number and asked for either XXXX or XXXX to call me back. 

It is absolutely unacceptable that Synchrony Bank can 'lose ' {$200000.00}, and not have anyone available to help locate these funds. Please help with a resolution. Thank you.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I paid off my Bank of America credit card and they are still charging me XXXX in interest! I called them aand aked how much would payment would be including interest on! XXXX The rep. it would be XXXX which would incluse interest!!!!!!!!! This month they are still charging me interest on balance I paid off!!!!!!! 
When I called the rep today ( XXXX XXXX ) told me the other rep was wrong and I had to pay interest on credit card for 3 month!!!!! That is ridiculous!!!! Never heard of this before!!! I have paid off all y credit cards and have other visa carda and have not had this problem!!!!!!! Only with Bank Of America!!!!!!! 
I paid off a Business Bank Of America and then they cancelled the card for no reason. 
Bank Of America is doing alot of illegal procedures and they need to be held accountable for them!!!!!!!!!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-18
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. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested for Transunion Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations per 16 CFR 313.7 ( f ) Continuing right to opt out.A consumer may exercise the right to opt out at any time. 16 CFR 313.7 ( e ) Time to comply with opt out.XXXX comply with a consumer 's opt out direction as soon as reasonably practicable afteryoureceive it. I the consumer am revoking any right I may have given written, unwritten, verbal, non verbal per 15 U.S. Code 6802. In addition according to the IRS Publication 4681, a charge-off is considered a certificate of indebtedness, which means it is treated as income which is a transaction report being reported and it is to be excluded according to 15 U.S. Code 1681a ( D ) Consumer Reports- ( 2 ) Exclusions - ( I ) containing information solely as to transactions or experiences between XXXX thepersonmaking the report. You are in violation of my rights even reporting late payments all accounts listed must be removed.
Consumer complaint received 2018-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. ()

On XX/XX/XXXX I requested a copy of my credit report and I noticed I had a collection account being reported by AFNI , Inc. in the amount of {$660.00} previously owned by XXXX XXXX XXXX which does not belong to me. I wrote several letters and XXXX  now reports that this account is mine. I was in a XXXX XXXX  in USA since XX/XX/XXXXand there is no way this account belongs to me. This has affected me adversely since I am trying to clear this matter and it still continues to report on my credit report. I wrote to AFNI, Inc and XXXX including evidence that I was incarcerated during these periods.
Consumer complaint received 2020-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

My first mortgage is with PenFed. My payments are on autopay through my bank. I have never missed a payment or made a late payment. In fact, I make my full payment plus principal payments every month. Recently it looks like PenFed updated its online account dashboard. I logged in and noticed my account said that my XX/XX/XXXX payment shows past due even though it also shows they received a payment from me on XX/XX/20. The problem is they applied my XX/XX/XXXX payment as " OTHER ''. Clearly their error, but I have tried to call PenFed every day from XX/XX/20 - XX/XX/20 to get it corrected. The call wait times ranged from 198 minutes to 84 minutes. I have tried to contact PenFed by email and secure messages through my online account. After a full week of trying I still have no response from PenFed!! My account continues to show  past due and there seems to be no way for me to get ahold of anyone for help. I tried other phone numbers on their website and spoke to their answering service who explained they have large call volumes due to low rates. What about their current customers?? They still need to service their existing customers and after a full week of trying to get someone ( anyone ) to help me, I feel like I have no other option than to file a complaint.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I filed a dispute about a charge on my credit card. Company Was XXXX XXXX for {$71.00} and they did a rebill for this. I sent documents to Chase in regards to a conversation I had with XXXX about this charge. They still have not credited my account back. I have also sent them messages in regards to this as well and have not heard from anyone.
Consumer complaint received 2024-04-18
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PR)

I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.
Consumer complaint received 2023-07-06
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I talked to Midland funding by and tried to resolve this with XXXX XXXX he said he would not do anything for me to make payment arrangements he would not even try anything he was going to garnish my wages for the whole amount the only way to stop it would be to pay him the full amount very rude very nasty very threatening was not helpful at all try to resolve this they just won't do it I will lose my job if they garnish my wages please stop this company from harassing me and trying to get me to lose my job tried numerous times to make arrangements with them
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. 

My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. 

It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. 

What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. 

Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

American Honda Finance is reporting incorrect information on all three of my credit reports. The account is paid in full! and was closed over 10 years ago and they are reporting false information at this time. I want this false information removed immediately. 

Their contact information is XXXX XXXX  XXXX ga XXXX XXXX account number ending in XXXX
Consumer complaint received 2024-04-18
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. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2018-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

Back in XXXX i got a called from a debt collector, the call that i owe about {$100.00} to a cash store i borrowed money from. Which i was very aware. So when they called me i got put on a payment plan because i want it to pay them off right away because i didnt want this on my credit because i had been fixing my credit. Well i made my first payment in XXXX, in XXXX i made my second payment, and right before my last payment was going to be made, BOOM it was reported to my credit as a collections, which i didnt know why it was being reported if I was put on a payment plan? I did not understand why, so i immediately called and the very next day i made my payment, but before i made this payment i told the man i needed a letter stating this was going to be off my credit. So he send me the letter, but little did i know he just send me a letter where stating this account was paid in full not that it was going to be deleted which i did not know the difference. So they got their money, and now this is still on my credit and they wont removed it. Ive spoken to the company and they refused to remove this from my credit. They wont give me a reason why, despiste i got told it would be deleted. I need this to be removed since Im trying to buy a house. The company is national credit adjusters. This company just cares to get their money and not help their customers out.. i need help!!
Consumer complaint received 2018-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

The only way I could get to this step was to simply choose I got a loan but in reality, I did not. I would like to file a SECOND complaint of this company called OPPORTUN THAT KEEPS SENDING ME XXXX. I DO NOT WANT A LOAN THROUGH THEM OR ANYBODY. I HAVE NEVER APPLIED FOR A LOAN WITH THEM OR GIVEN THEM PERMISSION TO SEND ME XXXX OFFERS. I GOT A LETTER THE OTHER DAY STATING I WAS PRE APPROVED FOR A LOAN WHEN I SPECIFICALLY GOT A LETTER FROM THE HEAD OF THE COMPANY SAYING THAT MY ADDRESS WOULD BE REMOVED FROM THEIR SYSTEM. IT HAS BEEN WELL OVER THEIR 40 DAYS TO REMOVE ME & THEY CONTINUE TO SEND ME XXXX. I SERIOUSLY WANT TO SUE THEM FOR HARASSING ME WITH THEIR PRODUCTS. PLEASE STOP SENDING XXXX!!!!!!!!!!!!!!!!!!!!!!!!!