davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (WI)

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-24
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: Block, Inc. (ND)

On XX/XX/XXXX I notice a charge on my cash app card that was not done by me. I contacted XXXX to find out more about this purchase and was informed that this was not mines because it was not on my XXXX and I was told to contact the financial company to report this fraud. I did exactly that and contacted cash app about this fraud. Cash app has denied this claim because they said it was my fault that I allowed someone to commit this fraud. Which to me did not make any sense because how could I have allow someone to commit this fraudulent activity they could not provide me with any proof that this was my fault instead are telling me to pay them. I have tried numerous times to work with them to resolve this problem and theyre not willing to help
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Hello Id like to file this complaint l I will attach my police report because I am truly disappointed in my dispute outcome with chime XXXX XXXX  my account number is XXXX i got my disputes denied and submitted a rebuttal just now they have denied it again Ive submitted it once again and reported them to the XXXX  .I have took pictures of the skimming device that was found at the store I used my card at I went back to the store and talked to the cashier they told me other customers complained so they checked the debit card machine and it was loaded with a skimming device. So there is many proof I was skimmed. The transactions I am submitting a rebuttal for happened on XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$320.00}. They were both atm withdrawals. I have All kinds of proof even pictures of the device used to skim my debit card. I told them I had the pictures i also told chime if this is not solved I will contact an attorney with all my proof. I told them I am very serious about this and will not accept to talk to another representative that tells me the same thing I want to speak to someone of higher authority that is going to actually help me with this. Ive also told them That once I get my money back I will be closing my account because this is the worst experience Ive ever had with a bank.. Id like something to be done here I am Extremely disappointed and in finiancial hardship due to this situation. Chime does not investigate disputes they just immediately deny them.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WV)

My complaint is an umbrella complaint about consumer credit card rates across the board. 

Companies like XXXX XXXX XXXX XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, and ESPECIALLY XXXXXXXX XXXX are charging way too much interest on consumer credit cards. 

For example, I have a XXXX  branded XXXX  from Synchrony bank. When I got the card, I had a credit score of less than XXXX. The interest rate was XXXX XXXX. However, I have had the card for more than two years, I have had 100 % on-time payment history, up to and including making extra payments. However, last month, I discovered that my rate has jumped to XXXX  %. My credit score has gone up to XXXX and back down under XXXX in the past year due to high utilization. However, my credit is now back up over XXXX with XXXX and XXXX ( BOTH of whom are still using the OUTDATED and OBSOLETE XXXX  XXXX credit scoring system instead of the XXXX XXXX or upgrading to the more ACCURATE XXXX XXXX XXXX ) and XXXX with XXXX. Yet, Synchrony still raised my rates. 

I understand between XXXX XXXX and XXXX XXXX  for fair credit, which is where mine fall. I understand a XXXX XXXX cap and an annual fee for bad credit. However, XXXX XXXX is absolutely UNACCEPTABLE for any situation, regardless of credit scores. And the fact that my history shows 100 % payment history and paying MORE than the minimum payments each month should be taken into consideration by all companies. 

Furthermore, with the economic depression created by covid, multiple layoffs, and people trying to get back on their feet, and improving repayment histories, the US Treasury needs to CAP the amount of interest that credit card companies can charge on unsecured debt to XXXX XXXX or less and secured debt to XXXX XXXX or less, and make the cap retroactive, and direct these companies to credit their customers with a calculated difference of interest.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (OH)

The unverified items listed remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2022-11-21
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. (NY)

I have read that Equifax is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner is currently reporting on all three major consumer reporting bureaus that I owe their company {$340.00}. Reporting started on XX/XX/2020 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2024-03-05
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. (OH)

XXXX is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with Experian but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.
Consumer complaint received 2022-11-21
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. (GA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  ), THE XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-08-08
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. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have an address on my report that is not accurate. I've tried to remove it serval times and the last time I was told that it was connected to my XXXX XXXX account. This not true my XXXX XXXX accounts are only connected to my address which is XXXX XXXX XXXX XXXX XXXX, Tn XXXX. The incorrect address is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please remove this information. It is not correct
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX I went to purchase a vehicle under the buy here pay here process with XXXX XXXX XXXX XXXX XXXX  car lot in XXXX Michigan. I put {$2600.00} down and was to pay a balance of {$1400.00}. 

I was fraudulently entered into a credit acceptance contract. 
I spoke with CAC supervisor and explained the situation. 

I never signed CAC financing documents, wise auto agent had someone else sign. 

I REQUESTED the original agreement from CAC AND was not provided with the original contract. 

CAC has been reporting to my credit report still unto this day XX/XX/XXXX. 
CAC has violated a number of my rights, called all kinds of nights, and weekends. 
I made a police report. 

The owner of the car company XXXX XXXX XXXX XXXX XXXX in XXXX MI, wrote a contract stating he would accept the balance of {$1400.00} within 6 months and cancel the contract but to no avail. 

I would like Monetary remedy for my damages, from CAC and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was fraudulently billed by Transunion 4 times last month. I did not have any conversation with them about any services. My bank reversed the charges and required I get a new card and redo all my auto charges to my credit cRd. Ans now I see that Transunion reduced my credit score at another bank I use. As a banking executive, this can have a direct impact on my employment. I called transunion several times and their voice system kept disconnecting and saying to try back another time.
Consumer complaint received 2022-11-21
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

This is the second time XXXX XXXX relief denied my Mortgage relief request, I applied for Mortgage relief from XXXX XXXX relief two times and every time they take 30 days of time to process the relief, and I was trying to work with Newrez Mortgage. 

Even I received a letter from Newrez Mortgage last month that they will let the XXXX XXXX relief know that my balance is XXXX ( Please see the letter attached ) and I could pay them the rest of the balance on the Mortgage later, but when XXXX XXXX relief Program contacted them, Newrez told them that I owe " {$18000.00} '' to them.

I am very dissapointed with Newrez regarding this. Because of Newrez careless, I was denied the benefit from XXXX XXXX  relief two times.

Numerous phone calls and emails were sent to Newrez regarding this, everything went above their head. They dont care about their clients at all.

I don't have full money to pay for the Mortgage and Newrez is taking it as a joke, endless number of phone calls, speaking with Supervisors, emails were sent to them, all the effort went to thin air. This is completely nonsense and nothing else. 

XXXX XXXX  relief is also short on funds now, so it was easier to get funding from them in the beginning but now it will be harder. 

I have sent this information to all news agencies and Human rights department against Newrez LLC
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Tuesday XXXX XXXX a fraudulent withdraw of {$3900.00} from my Bank of America account occurred at XXXX XXXX XXXX XXXX XXXXI notified Bank of American Tuesday XX/XX/2024 that I nor did my wife make this withdraw seeing that we are both located in XXXX. Bank of America froze our account and started an investigation. 

We have called weekly for updates on the case with little to no information. Bank of America informed us that they would be sending documents if they needed more information but we have not received anything. Last week on XX/XX/2024 I contacted Bank of America again and they informed me they were waiting on video surveillance of the withdraw and we have heard nothing else. 

I would just like this resolved and my money returned. It seems like a fail on Bank of Americas side because I cant even withdraw that much money without proper identification.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I received a copy of my credit report and to my surprise theres a new address on my credit report. Ive disputed this inaccurate information several times and Experian refuses to remove the inaccurate information. Even after providing proof of address so that my proper information reflects on my report Experian still refuses to remove these addresses. In accordance with the FCRA any and all inaccurate information shall be removed from a consumers credit report. With the data breaches & the bureaus reporting millions of consumers information incorrectly the last thing a consumer should have to do is jump through hoops to get things removed that the LAW states I have a right to do not a privilege. The addresses are XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please assist
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

Complaint is for Synchrony Bank credit card. 
I made a purchase using their promotional no interest offer on a TV back in XXXX. Apparently, the no interest promotion ended in XX/XX/XXXX. At that time, the balance was around {$300.00}. Because the promotion ended, they added around {$1400.00} in interest to my balance. 

I have an automatic payment of {$100.00} per month and never thought to look at the statements, as I figured it would pay off the balance. However, I looked today and saw that amount and asked them about. 

Are there no laws that protect consumers in this situation? Essentially, they are charging interest on amounts already paid, not on the remaining balance. This is theft.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was sent a modification program letter in XX/XX/2023 stating that my account was delinquent and that I had been approved for a modification. My account was never delinquent and after calling the servicing company, it was explained that my account was current and it was simply a solicitation for a modification. I told the agent that I was not interested and she explained that they would withdraw the offer. 
I'm now receiving a letter from the servicing company that I have been delinquent for two months that my account is put into forebearance. In order to bring my account current, I have to pay {$8000.00} for accept the loan modification. I have a monthly automatic deduction each month and for some reason, the servicer did not withdraw my payments thereby automatically putting me into forbearance. This is nothing more than a trap to push consumers into another loan modification. I specifically turned down the modification and now I have pay an {$8000.00} lump sum to bring my account current. This now puts us in a very difficult financial position for absolutely no reason what so ever. The new modification has a 30 year term and a lump sum of $ XXXX at maturity. To me, this is nothing more than fraud to trap consumers into taking the modification. It's left us with a very difficult and painful decision.
Consumer complaint received 2022-11-28
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: LoanCare, LLC (GA)

I'm filing this complaint against XXXX for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.