davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (CA)

Hello. XXXX XXXX added me as an authorized user despite me not putting my social security number to activate the card given to me. In doing so, my credit report was negatively affected and I was unable to get a higher credit line or apply for a new credit card due to the authorization. On XX/XX/XXXX, I was removed as an authorized user to try to remedy this problem. However it is now XX/XX/XXXX and even though it does not show a balance, the card is still on my credit reports and is still preventing me from getting a higher credit line. Please fix it so the XXXX XXXX is removed from all my credit reports and find out why XXXX XXXX decided to put it in my credit report despite me not pitting my social security number.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I just tried to use my  Walmart cre dit card tonight   XXXX     and it was declined. I checked my account and found my credit limit was dropped from  XXXX  to  XXXX . I just recently paid my balance dow n to   XXXX  . It t ook about a week for this payment to post to my account. When it finally posted I made purchases totaling  XXXX . Now instead of having all this available credit which looks good on my credit report, my card is maxed out. I have had this card for about a year and a half and have never missed a payment. I called customer service and they said it was due to a recent credit inquiry that my limit was decreased. This is unfair and is not good on my credit which I have worked so hard to repair. I have 100 % on time payments on all credit lines on my report.
Consumer complaint received 2023-06-05
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. (CA)

This is my fo14th 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. 
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 2023-06-05
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}
Consumer complaint received 2018-03-22
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason XXXX and Experian only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (KY)

This happened sometime  in 2016..the b alance is over {$2000.00} ... I had an account with  XXXX  ... I left  XXXX , paid  the balance and returned all equipment yet they are reporting a balance to  XXXX  ... I 've trie d to get this resolved through  XXXX ,  XXXX  and  Source Receivables. I 've also mailed them proof.
Consumer complaint received 2017-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-06-05
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. Please remove these files : XXXXXXXX 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 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know  plan to place a negative mark on my credit.
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I am repaying my loans under th e Public Service Loan Forgiveness  program and was trying to get information from my lender on which plan would offer me the lowest monthly payments while still qualifying for PSLF.     In  XXXX , I was told by a Fedloan Servicing representative that my best option would be to go on a standard repayment plan, rather than an income-driven plan. I was told my monthly payments would be {$570.00} and that those payments would qualify for PSLF.     When I received the terms of my new plan, the monthly payment was {$960.00} and the payments will not count toward  PSLF be cause I was placed on  a 128-month repay ment plan instead of a  120-month  repayment plan.     I contacted the company and they said they would attempt to resolve the issue withi n 10-14 da ys. However, even in the best-case scenario, in which I receive the {$570.00} payment initially promised, I will have to make the higher payment of {$960.00} in  XXXX     2017 an d that payment will not qualify for PSLF.
Consumer complaint received 2023-06-04
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires TRANSUNION 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX  ( Finance ) XX/XX/XXXX 6XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX  XXXX ( Bank XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX  XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in his letter said as I quote : On XXXX XXXX, XXXX, a charge of {$8800.00} was made with special financing terms of 18 months, No Interest if Paid in Full, regular Monthly Payment required during the special term period. YOUR MINIMUN PAYMENT AMOUNT WAS SET UP BASE OFF THE AMOUNT OF THE TOTAL PURCHASE AND LENGTH OF YOU PROMOTION. Letter attached ( Attachment 1 ) I did the payment exactly according with this indication I pay {$300.00} for 29 months because Wells Fargo Financial XXXX XXXX made a mistake on the length of the promotion, the other way the minimal payment will be {$490.00} and in that case I will not accept This Especial Home Project offer because I was not able to pay {$490.00} per month. 

XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in her letter said as I quote : your purchase was made with Regular Montly Payments term rather than equal Montly Payments. Regular payment terms typically provide the customer great flexibility by requiring a lower minimum payment each month. However, you can make larger payment to pay off the balance by the special terms expiration date. ( attachment 2 ) Two letters from Wells Fargo Financial XXXXXXXX XXXX from the same office ( Research & Remediation Analyst Executive Office ) with different version. 
XXXX, XXXX. XXXX XXXX in her letter said as I quote : on XXXX XXXX, XXXX, the account balance of {$6000.00} was charge off. What is to charge off? In my original complain indicate that in XXXX XXXX, XXXX, I was willing to pay all my balance and Wells Fargo Financial XXXX XXXX with XXXX XXXX a Research & Remediation Analyst from the Executive Office DID NOT ACEPT MY OFFER ( Attachment 3 ). 
This case makes no sense if one officer said one thing and the other something totally different. XXXX XXXX, XXXX. I made the last payment. XXXX X 29 months= {$8900.00} and I pay in full. 

I am XXXX years old lady and this company is taking advantage of that. 

I trust 100 % every thing that they told me. My monthly payment never increase, the financial was 0 % until I finished. From XXXX to XXXX XXXX never increase, I pay online and I do not need to print the statement every month, to pay on line is to save paper.
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have received late fee charges from Bank of America that are not legitimate. I 'm not say all fees from the life time of my account but there has been many of times where Bank of America has changed the order of my withdrawals to have me have 2-3 late fees instead of one late fee. example my first few charges will be for XXXX and XXXX dollar charges. then a charge for XXXX will come after. Instead of paying the first 3 charges in the order they come out the bank account Bank of America will change the order of the withdrawals to make more late fees. The last three fees I had in one day. I did speak to two supervisors and the second one took off one fee and I asked to have a manager to call me and he stated he would not take off the other fees. I asked to speak to the higher manager who was suppose to call me within 24-48 hours who never called .I do have alerts on my account that do not always work which Bank of America has given me late fees back in the past.
Consumer complaint received 2023-08-23
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: AMERICAN EXPRESS COMPANY (MA)

I received an email from American Express on XX/XX/XXXX that my credit score is down by XXXX points due to a delinquent account. After a careful investigation, I find my American Express credit card ending in XXXX has unrecognized charges posted on it since XX/XX/XXXX ( {$25.00} ), together with interest charges, late fees and another unrecognized charge on XX/XX/XXXX ( {$25.00} ). There are several evidence to show that I experienced identify theft. First, the charges were for XXXX - XXXX XXXX, but I no longer own any car since XXXX of XXXX. Second, the charges took place in New York XXXX XXXX, but I live in XXXX Massachusetts. Third, I never received any email notification from this credit card regarding the credit balance. I found the email contact under this account is not mine.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus. 

This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX. 
XXXX from XXXX Hospital confirmed this on XX/XX/XXXX. 
XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur. 

As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed. 

No further efforts to pursue this account are legal.
Consumer complaint received 2024-03-27
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 2023-06-04
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. (VA)

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 Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : 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.