davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (IL)

Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2023 i sent a certified letter to all XXXX credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from XXXX XXXX and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (AL)

I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called AVANT but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called XXXX XXXX XXXX and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

When attempting to access the free credit report, Experian consistently fails and tells me that a condition exists that does not allow Experian to provide my credit report, and that I must send them a mail. XXXX and XXXX work just fine. I don't see why Experian would have an issue, and would require manual steps. This unnecessarily complicates the process of reviewing and resolving issues.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I had a Suntrust mortgage back in XXXX, which was a XX/XX/XXXX loan. During a modification the 20 % loan was paid off. Since then it was bought by other lenders, however Suntrust is still showing up as a lien holder. 
I am in the process of selling my home and I have spoken to multiple departments at Suntrust which is now Truist to get a payoff/lien release so that I can close on my home and have not been successful. I have been on the phone with different departments for 3-4 hours at a time, explaining what's needed over and over and the level of incompetence is beyond me. 

I have been told that my mortgage is paid in full, however they no longer have the loan so they don't have a payoff release. According to my closing attorney for the sale of the home, XXXX XXXX XXXX, there is still an open XXXX from Suntrust showing up on my title. I'm 3 days past of my original close date and now the buyer is at risk of losing his interest rate and having to walk away. This is costing me a lot of lost time and possibly the sale.This has been over a week now since the closing attorney has requested this information : The fax number for the Closing attorney is : XXXX XXXX XXXX. 
This has caused so much stress and anxiety and I am already experiencing serious health issues. Please help.
Consumer complaint received 2022-05-23
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)

CFPB Write up n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-23
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)

CFPB Write up n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-09
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: Avant Holding Company, Inc. (MD)

I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! 

I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. 

I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. 

I am kindly asking that this matter be investigated.
Consumer complaint received 2022-10-13
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. (FL)

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.
Consumer complaint received 2022-05-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Exeter Finance, LLC. (GA)

Exeter finance has been threatened me with lawyers and call plenty of times to get resolve this a fraudently account they opend more then XXXX account in my name non consent withought my persmission now I work to get them off two credit agency so the are still trynabreport to equifax illegally and and open a nother account.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (PA)

Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024 I canceled my expiring trial, I had to keep jumping though hopes of it trying to get me to keep the service. Yet on XX/XX/2024 I was charged XXXX. I then contacted support requesting a refund, they took 5 days to respond, and stated " When you created your membership and entered your credit card information, you agreed to the terms and conditions that our membership fees are nonrefundable. " and " I will not be able to provide an additional refund. Please refer to the Terms and Conditions of the membership agreement ( www.experian.com/terms ) '' This is an absolutely disgusting practice as they do not even let you delete your credit card info from there website. Not to mention the numerous times they have been hacked and they have sold and lost my information. The address they have is not even correct, this charge shouldn't of even went though,
Consumer complaint received 2022-05-23
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. (MS)

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Closed. {$390.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX LOAN XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XXXX XXXX.
Consumer complaint received 2021-11-22
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX {$540.00} and XXXX XXXX XXXX XXXX {$630.00}. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2023-02-22
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NV)

On XX/XX/24 my account started having an error stating We're experiencing some downtime and balances may be outdated. Check back soon! Note : you can still use your debit card and ATMs upon contacting credit karma they state I need to just log out and log back in after XXXX minutes its a system error and will resolve itself. Well XXXX hours later its still not resolved. I have XXXX answers why and keep being told someone will eventually email me from their escalated department leaving me and my XXXX kids stranded in XXXX XXXX  with XXXX access to my money ruining our vacation. Its now XXXX on XX/XX/24 and they keep hanging up on me if I call, refusing to allow me to speak to a supervisor, and not remedying the issue at all.
Consumer complaint received 2022-10-13
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. (AZ)

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-10-26
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. (GA)

RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified!

I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax is reporting a bankruptcy on my credit profile. Equifax stated that the bankruptcy had been verified with the US Bankruptcy Court in XXXX, NC. I contacted the clerk of court in XXXX, NC they informed me that they do not report any information to the credit reporting agencies. Equifax has made a false claim and has yet to remove the bankruptcy from my credit report.
Consumer complaint received 2022-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX Re : Company Response CFPB Complaint # XXXX XXXX XXXX : The response given on the interpretation of the complaint has an overlooked detail : the Supplemental Real Estate tax bill from XXXX XXXX XXXX NOT the Virginia Credit Union ) , paid in full ( {$1600.00} ) by us on XX/XX/XXXX. Even so, to avoid the inconsistencies/increment of the monthly payments, we paid {$450.00} on XX/XX/XXXX to cover any escrow shortage ( as a result, XX/XX/XXXX payment will be {$1600.00} ). We are aware of a {$1300.00} Tax Disbursement payment made on XX/XX/XXXX ( the XX/XX/XXXX Escrow Analysis shows the Projected Payments to be made on XXXX and on XXXX, {$800.00} each, respectively ). For this reason, ANOTHER escrow shortage of {$290.00} will be reflected in the subsequent payments if it is not paid immediately. As per XXXX XXXX, the Tax Disbursements payments are due in XXXX and XXXX of each year, and the Real Estate is {$0.00} per {$100.00} of assessed value as of today, XX/XX/XXXX ( any changes have to be approved by the Countys Board of Supervisors ). XXXX XXXX, amendments to this situation shall be made without delay. Thank you.