davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (OR)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then 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 2021-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I purchased my home in XXXX. I became permanently XXXX in XXXX and had to do a modification then because of income dropping down to XXXX. I am raising or was raising a son totally on my own at the time he just recently graduated college. I talked to Bank of America last year because they like so many were helping home owners out or so I thought with Covid relief and making no payments to help out. I was told that I would start making payments again in XX/XX/XXXX which I did. I was told also that a claim would be made with HUD for payments not made and would be on end of the loan. I got XXXX last year, I had major car repairs and my only vehicle to get to physical therapy. I trusted Bank of America and now have been told HUD had no hand in approving any claims or not so now Bank of America wants me to start another modification which I did and sent everything that was requested well now they are asking a month later the same paperwork and another 3 months of paperwork because they didn't process it. I also found out that this year when I asked on paperwork before I started payments in XXXX again would receive paperwork from them when claimed had been processed and every month I called in only to be told HUD was behind. HUD wasn't processing claims. I have been told by alot of consumers same stories being told by their lenders between last year and this year. The payments I have made in XXXX, XXXX, XXXX and XXXX are sitting in unapplied funds. There is something not right with these lenders and not just Bank of America but other major lenders. Please help because I am permanently XXXX and don't want to lose my home and I have complied with everything they have asked and you can go on their website and read about their Covid Relief from last year and now what they are doing but the lie is that HUD is not involved in these claims.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX To my surprise today I learned of an overdue unpaid XXXX   bill of mine, for products I purchased, last summer.

Were bill paying people, for 4 5 decades, who began this month working with a financial company recently in the hope of getting into our final retirement home. If it we not for the credit report theyd run, wed never have known of this concern, as we dont use credit and have only mortgage debt.

Background : In XX/XX/XXXX we relocated to North Carolina, when Id asked a friend where to buy work clothing which then led me to XXXX for the 1st time in my life, began buying form them. Once on their mailing list, sales events were advertised, and better still if you used their credit card save more. I buy work clothes annually, so this was the best deal.

Activity : I choose to receive my bills in the US Postal mail, hard copy paper is seen felt, and paid, period thats my process. Now, if XXXX  can mail to me coupons, and marketing how is it they could not mail the bills to my current address? Further my mobile phone was attached to that account as well.

I spoke with XXXX  this morning, they had 2 PO returns, meaning their own ( XX/XX/XXXX & XX/XX/XXXX ) bills which theyd mailed to our prior ( XXXX, MA ) address from years ago, were returned to them. XXXX collections dept. agreed to remove late fees, but have closed the account and ruined my credit, refuse to generate a letter of explanation and intent to correct my credit.

Request : The purpose of this note is to ask you to force XXXX  to provide a letter stating my credit will be reported as having been corrected, so the bank will move forward with us.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2024-03-16
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

My savings account at TD Bank was opened using a promotional offer to expect {$200.00} bonus for keeping {$20000.00} in the account for three month. Unfortunately, a reoccurring transfer processed by the bank two days later than scheduled brought the balance little below the 20,000 toward the end of the three month period for two days total. 
The money was in the linked checking account at the same bank all along. This was acknowledged by two representatives at 24 hour customer service on XXXX, and XXXX submitted a request for my bonus consideration assuring me of the understanding. 
However, on XXXX, when the time came to hear back from the bonus department, I am advised by XXXX that the bonus department submissions can not be customized in any way. This contradicts my earlier expectations and makes it easy for the bank to disqualify me at their pleasure. She also assures me that her manager could not do anything else and nobody else could. 
This is a big disappointment for me, especially considering that my money could be earning interest elsewhere similar to the promised bonus.
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (CT)

Under Equifax Creditor reporting agency my XXXX XXXX account XXXX is being reported as late. This account was never later. Please have Equifax Remove Late Status.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase home lending assumed my mortgage from XXXX XXXX. In the last week of XXXX, my insurance company informed me that they had cancelled my insurance policy for XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, TX XXXX last spring. They were unable to get in contact with the lender ( Chase ) to update them with my new policy. I never received any communications ( letter, e-mail or phone ) from Chase about this. Therefore one of the two scenarios has occurred : - My property has been uninsured which is a huge liability. 
- Chase insured my property at a rate that is higher than I planned on paying, without telling me. 

This needs to be rectified. I have not been able to resolve this with Chase.
Consumer complaint received 2022-09-13
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 have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXXXXXX XXXX  - account verified Equifix - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

Since XXXX XXXX I have file 4 disputes with XXXX  and 2 CFPB disputes with National Credit systems no no avail. XXXX  AND NCS despite legal court documentation ( court dismissal with no money owed to XXXX XXXX XXXX  ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to XXXX  the continue to close and delete disputes as NCS is providing valid information. This is my final attempt to both XXXX  and NCS to remove incorrect account information from my credit profiles. I have yet to receive any response from NCS and XXXX  refuses to acknowledge all legal documentation that goes against FCRA regulations.
Consumer complaint received 2021-08-30
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 found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help
Consumer complaint received 2021-08-30
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. (FL)

I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help
Consumer complaint received 2024-05-01
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)

These hard inquires on my accounts are in violation of 15 U.S. Code1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) The creditor reporting this inaccurate accounts failed to notate these accounts were dispute within 30 days..
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance {$590.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (NY)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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
Consumer complaint received 2021-08-30
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. (NY)

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, Transunion and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Consumer complaint received 2021-08-30
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)

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, XXXX  and Equifax advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Consumer complaint received 2021-08-30
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. (NJ)

In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.
Consumer complaint received 2021-08-30
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. (NJ)

In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CO)

I am filing a complaint against Target Card Services for their handling of my claim regarding fraudulent charges on my store credit card. I have attached the following Items : 1. XX/XX/2021 I noticed charges on several of my credit cards that I did not make. I immediately called the companies involved and the charges were reversed on all cards except Target Stores. 
2. XX/XX/2021 I mailed a letter to Target Stores as instructed by my call to Target Customer Service along with a copy of the fraudulent charges. 
3. XX/XX/2021 I received a reply from Target regarding my dispute of charges. 
4. XX/XX/2021 I called Target Customer Service to check the status of my dispute and was told the issue was denied and a letter of their decision was in the mail. Customer service suggested I make a minimum payment to protect my credit and ask for an appeal to their decision. I immediately mailed a request for appeal of the decision. 
5. XX/XX/2021 I received the letter from Target denying my dispute of fraudulent charges. 
6. XX/XX/2021 I received a reply from Target regarding my request for appeal of their decision. 
7. XX/XX/2021 I received a letter from Target dated XX/XX/XXXX stating they had closed the investigation of my dispute on XX/XX/2021 and all charges, interest & fees would be included in my account balance.

8. Copies of Fraudulent access to my computer beginning XX/XX/2021 XXXX
Consumer complaint received 2021-08-30
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 (NY)

During the last XXXX months four credit line has been drecrese from store using the same bank synchrony bank without sending explanation and base on unacurate or questionable information my credit history is being damaged by the action of the creditors using the same bank ; I don't have any red-light on my credit history to sustain their actions for example 2 of those creditors reduce ny credit less than {$50.00} dollars but that decision reduce my credit more than 50 point resulting on a domino effect that the others 2 from the same bank reduce my line of credit too reducing my credit score almost 100 point I the last 6 month ; this is only happening with synchrony bank my other creditors has not take any action like that ; now my credit history look like I have high balance but is just the result of reducing my line of credit to the balance of the account ; I suspect that descriminary practices is being done by synchrony bank system because there is not explanation of why reducing {$35.00} dollars in to an account with 10 years never missing payments on autopayment ; I have all my payments on autopayment to avoid missing payments ; even the loan officer of my car dealership told why your credit score is so low if you never missed payments ; my last car lease when up becouse the arbitrary action done by synchrony bank ; I found reports that this bank has history of discriminary practices and I found lawsuits that match my same situation.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I ordered 3 items from XXXX that were shipped together. Two items in the amount of {$6.00} and one items in the amount of {$270.00}. XXXX issued refunds from the items but stated my bank denied the refund for XXXX. Since XXXX issued a refund, they will no longer assist me. I received an email from USPS stating items were sent back to original sender. I submitted documentation to chime but my dispute claim was denied. This is not ok. I want my money back.