davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (AK)

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. 

ACCOUNT NAME- XXXX XXXX  XXXX : # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX : XXXX XXXX ; ACCOUNT NAME- XXXX XXXX XXXXXXXX : # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXXXXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXXXXXX, XXXX XXXX ; ACCOUNT NAMEXXXX XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, XXXX XXXX ; ACCOUNT NAME- XXXX XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX, XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX # XXXX ; ACCOUNT NAME- 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 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 2020-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (WA)

I am trying to close my account and I have an available balance that also reflects a direct deposit from my Employer when the bank already informed me that they were going to close the account and send me a physical check in the mail that could take up to 30 days. I was in agreement with this, then when they accepted an incoming wire deposit which increased my available balance I have requested numerous times to close this account and have my money sent to me. The bank now ignores my support email requests and they have locked anyway for me to get the money out, yet they allow me to continue to have access to online banking and ability to access the account.
Consumer complaint received 2022-11-22
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. (AK)

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. 

ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX, XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX # XXXX ; ACCOUNT 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 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 XXXX 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 2021-04-01
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I am a victim of fraud on my account, my additional card holders account was stolen and there were fraud charges on the card, i did not receive a notification about the Fraud until the person spent over {$3000.00} on purchases on the account, this is highly unacceptable at the fact that his card was allowed to be used for such a high amount, this NOT only is way beyond my spending pattern but the erratic charges being made and the locations it was used is not normal. 

I am extremely upset at the fact that your bank has failed to do its due diligence to protect me as a customer. You allowed charges again that were not normal or within my patterns. The fact that your bank DID NOT do its job to protect me until its too late is not acceptable. I am highly upset at this and we need to get this fixed immediately. 


I then reached out to your Fraud Department seeking to speak to a supervisor to discuss my aggravation at the fact that this amount of charges went through over the course of a few days with no restrictions on the account, EVEN When you notified me before i saw the emails the card was NEVER locked and the attempts were still being made. As a bank if there are charges in question on the account why was there no block/hold on the card until you speak with the customer. ( Received back to back emails within different time frames ) Upon speaking to the supervisor he was insinuating as if i was LYING about the fraud that happened on my card and was asking questions like well what the last 4 of your card whats the last 4 of the additional card holders card? I explained that they were the exact same, card numbers, you can tell his response was as if i was lying to him. He stated he is just very very confused. He then went into details about how tired and such a long day he has had. Made me question if this matter was even was important to him, after that I was on the phone crying as I felt backed into a corner with no support given that my account was stolen. 

He continually asked the same questions over and over of how the fraud happened and last 4 of the card numbers and wanted to know if my card was in my possession or not. I answered that yes my card was but my additional user was not.

I repeatedly let him know that YES i have my card and its my additional card holders card that was stolen., he still again was making me feel as if i was a liar and i do not appreciate it. 

I am the VICTIM here my additional card holders card was STOLEN!! i don't know how else to say it, and the bank is not doing their due diligence to protect me to ensure this doesn't happen again ( and didn't happen in the first place ) Please have someone from the corporate offices give me a call XXXX to discuss and hope to come to a resolution. 


Thank you. Stay safe and be well!
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My husband and I went bankrupt. The house was forclosed on, with a balance due us in the amount of approx {$67000.00}. They, unknown to us, were corresponding to a vacant house and mailed our check there. They they had our current phone and address. why woudl they mail it there and they had our lawyers name! WE have tried to track down the money. Chase opened a strange account in my name, depositing my money. Then are telling me its Purged??? Every person I contact, has a new story, no one can find the deposit. I attached the account number they opened the account in my name with and all limited documentation as my house burned down. I pulled the court record off the internet. Please help us. We are XXXX and XXXX. 
Kind regards, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX daughter XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX tx XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank has XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, attempting to collect on an account that has been paid in full. I have contacted Synchrony Bank and requested a signed copy of the original contract. Synchrony Bank sent me a letter providing proof they can not produce a copy of the contract ( attached ). Synchrony Bank was suppose to be charging me 0 % interest on Lowes purchases because its a Lowes Credit Card and Lowes advertises 0 % interest on the purchases made. I have been overcharged thousands of dollars on interest charges by paid to Synchrony Bank. I have also requested transaction receipts with signatures and both Lowes and Synchrony bank can not provide with proof in writing. I paid the account in full but Synchrony Bank is still attempting to collect. Synchrony Bank is damaging my credit report with inaccurate negative information on an account that was never late and paid in full. Synchrony Bank also has forced me to hire an attorney to defend me against frivolous claims I owe them money. Synchrony Bank even without the contract and sales slips refuses to stop attempting to collect and creating unnecessary stress and expense for attorney fees from me.
Consumer complaint received 2023-03-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am getting payments monthly through XXXX paid to my mortgage company for 18 months, from a program for XXXX. The payments started in XXXX and I made a payment so it would not be late, and after several calls and complains they credited the payment HAF made, so I have always been a month ahead. 
They have not shown a payment since XX/XX/XXXX, after messing up XXXX payment and my account still shows unapplied funds unidentified for a full payment on XX/XX/XXXX. 
There have been NO payments made since, although XXXX has confirmed there has been. After several calls and emails and being told no payments were there, on XX/XX/XXXX I got a message saying XXXX were there, just not credited. I am again approaching the late date in 6 days and I have XXXX payments that are not being credited to my account and has not been since XXXX, this is insane. Here is the message direct from the mortgage company : XXXX Specialized Loan Servicing to : XXXX Sent : XX/XX/XXXX XXXX PM Thank you for your inquiry. The account reflects that the XX/XX/XXXX monthly payment was posted on XX/XX/XXXX already. After further review, there is a note on the account that XXXX payments were received in the amount of {$380.00} each from XXXX FL. Once the posting instructions is sent to have it posted for the XX/XX/XXXX and XX/XX/XXXX monthly payment, the payment will be posted. Please allow additional time as there are multiple loans on the payment that was sent over from the XXXX FL. Thats why the posting take a bit of time. We appreciate your patience while the payment posting is being worked on. If you require further assistance, please do not hesitate to contact us via the online Message Center. Thank you, XXXX XXXX ID : XXXX SLS accepts calls from relay services on behalf of hearing-impaired borrowers.
Consumer complaint received 2023-05-31
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
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. (FL)

I made a complaint about an account with we financial reporting on my credit report. I sent a letter to original creditor and agency. When sending letter to original creditor I received letter saying account would be deleted. ( Ive attached letter from original creditor and uploaded it on Experian a website. A few days later I checked back and notice that Experian still verified account. Which made me wonder how accurate the investigation is online. It appears that equifax has already deleted this account please help.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. the same account is displaying different account types and balance. but still see inquiries on my account, as a Victim of fraud, other institutions, used and complied incorrect information about me with out given consent make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX XXXX  did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA My address was not updated
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (WA)

JPMCB CARD SERVICES- CHARGED OFF XXXX XXXX- CHARGED OFF XXXX XXXX XXXX- CHARGED OFF XXXX, XXXX XXXX XXXX XXXX XXXX Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to the above companies written, unwritten, verbal or non verbal to report my nonpublic personal information. The above companies are in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by the above companies that my nonpublic personal information was going to be shared to non affiliated third parties. Do not get me started on securities fraud. I want all 3 accounts removed from my credit report before I take this to the highest level possible.
Consumer complaint received 2022-11-22
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Since 2010, we have submitted several applications to Bank of America for refinance or modification of our 30 Year Conversion Option ARM. We are current on our payments and have excellent credit. Bank of America has provided excuse after excuse concerning our documentation and the rejection of our application. To no avail, we have solicited professionals on our behalf to query, complete and submit our documents to Bank of America. Right now, we have only XXXX ( out of XXXX ) ARM options available, i.e. the 15 year or minimum. We can not afford the $ XXXX/month 15 yr option, therefore we pay the minimum $ XXXX/month. We have in essence a negative amortization loan with a balance of {$310000.00}. Our payments do not include taxes and insurance. We are debt free except for our home. This year, we will be on a fixed income and it will be a financial hardship should we continue in the future with this obsolete XXXX option ARM mortgage plan. We want Bank of America to give us a reduction in principal and payment, fixed mortgage relief. Bank of America has all the information ( XXXX yrs ) at there disposal to make our request a reality.