davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc. (SD)

When I was making the never report any payment to the credit bureau then when the public health issue started then I lost income and tried to settle account with them for the amount that I had, they have denied the offer for the settlement. After all they report as write off and put my credit score to negative status and then I have paid off the account and they still not able to update the credit score with paid in full status but with paid/charged. I c ok considered this is not fair report.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (WA)

I used my XXXX XXXXXXXX XXXX Bill Pay service to pay American Express because using the AMEX would not be processed properly and I would be charged late fees or the payment wouldn't go through. 

The Tracked Payment to AMEX was rec 'd on Friday, XX/XX/XXXX for a payment due on XX/XX/XXXX. AMEX did not process the payment until Sunday, XX/XX/XXXX, and then charged my {$20.00} in interest and a {$29.00} Late Fee. 

This isn't just dishonest. It's lazy. AMEX cares so little about my business, that they have repeatedly punished me for paying my bills on time.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I'm in receipt of your letter and made attempt to contact you but your voicemail is hard to understand. You indicate that Synchrony Bank complies with all laws which I say that is incorrect. 1 ) According to Section 4021 Credit Protection During Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019., the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency. My account was not late before XX/XX/2020 and it should not have been terminated. 2 ) You was notified that I was unable to work because you received payments from the third party insurance who contacts you to obtain account information before making payments. It is clear that non of my accounts were past due or reported past due prior to the Pandemic therefore for Synchrony Bank to close an account during the Pandemic time knowing what people are facing nevertheless, still receiving payments was a way to help damage consumers credit. It is my understanding that during the Pandemic, the Cares Act/Fair Credit Reporting act supersedes the consumers contract. If your position remains the same and you feel that your actions did not pose a hardship on consumers and is within compliance with the Cares Act & Fair Credit Reporting Act then I will have no choice but to follow up in court with legal actions.
Consumer complaint received 2022-08-22
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: Bread Financial Holdings, Inc. (MI)

Both mine and husbands credit cards from Comenity Sony was stolen and over {$1000.00} of was charged onto the account from XXXX. 

We did not make these charges and I called Comenity on XX/XX/15. The fraudulent charges were still posted to my account even though we did not make them.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : 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 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX  was holding my payments for days before they would credit to my account. I got fed up -- I was never even close to being late with my payments -- so I paid off the balance and closed the account. Every time I charged something I paid the full balance as soon as it showed up on my online account. The still list my account as being open and they have been reporting that I have {$180.00} of my {$300.00} credit limit used up. They won't correct it. Other creditors look at my file and think I am using 63 % of my available credit and not paying my bill on time.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (LA)

I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home.
Consumer complaint received 2022-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " XXXX XXXX  '' they are showing as a collection. As well as a company called Portfolio Recovery showing the same. one shows I have a high limit of XXXX and XXXX shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these 2 companies are significantly damaging my credit by not fixing these errors!!! And after at least 10 certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.
Consumer complaint received 2023-05-25
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as its verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX/XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$280.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I traveled overseas 4 months ago, prior to my departure from the United States I notified my credit card company Capital One that I would be away an unspecified.. 
Peirod of time.. I've used my card regularly during this time. i never had a problem and always paid my bills on time, yesterday my card was canceled because of suspected fraud I did nothing different I just use my card to make a purchase online. I called Capital One three different times and was told the first two times the fraud department was closed and as soon as they open they could fix my problem I waited 10 hours for the fraud department to open and Upon returning the call was told that they could not verify my ID without me mailing them a copy of my driver 's license front and back which would take 10 days. I am stuck in XXXX due to the coronavirus and can not return to the United States. My credit card is my lifeline. I was further informed and I would have to receive a text message except that I don't have my Us phone because I was here for so many months in order to me to start the phone back up it cost me {$10.00} to receive one text message the company assured me they could fix the problem when their fraud Department opened up, that was a total misrepresentation Right now I'm out about {$80.00} trying to get my card turned back on in long-distance charges I'm disgusted and I want my money back.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX claimed that XXXX XXXX XXXX reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. 
XXXX placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX made this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX  card would take my closed XXXX  balance to XXXX. 
XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Consumer complaint received 2023-01-06
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)

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the three credit reporting Agencies XXXX, XXXX  and XXXX that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below XXXX and a credit report from the three agencies reporting a 90 day past due mortgage report by SLS Company ( specialized Loan servicing. It has been one year since SLS  received a full payment by the Title Company on XX/XX/XXXX ; SLS  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from SLS  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with SLS, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Consumer complaint received 2020-01-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MO)

The beginning amount of the loan was {$34000.00} and in the spring of XXXX it was transferred to AES and at that time the loan had increased to {$41000.00} due to interest on deferments ( I guess ). For the next 5 years we paid back {$14000.00} ( and {$620.00} in late fees ) and our loan has since WENT UP to {$46000.00}. 

So over 5 years we paid approx. {$14000.00} and the loan BALANCE went UP by {$4000.00}. 

In XXXX alone we paid {$3700.00} and our loan did NOT decrease by even one cent. 

In addition our payments have increased from {$260.00} ( in XXXX ) to {$300.00} ( in XXXX ) to {$530.00} ( in XXXX ) When I contacted them about it they said " The loan increase is related to the type of loan you have, that when you get closer to paying it off, the payment increases '' when I replied that can't be true because our loan balance has went from {$41000.00} to {$46000.00} even after paying {$14000.00} she said well I will put you through to our loan officer dept. and then I was on hold for 12 minutes and then they just hung up.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc. (TX)

The Bureaus would not disclose who they were or who they represented. 
They claimed that a XXXX XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your XXXX   credit! ''
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Attempted to open Wells Fargo XXXX Account online - authorized {$500.00} ACH from XXXX to open account. Had technical issue and was advised by wells Fargo chat yo close that account and open account again. I did that with {$25.00} ACH authorized. Wells Fargo withdrew both the {$25.00} to fund active account AND {$500.00} that they can not find. See attached screenshot showing both transactions ( {$25.00} credited properly and {$500.00} lost )
Consumer complaint received 2020-04-13
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. (NJ)

This collection account is reporting on my credit profile with XXXX, XXXX  & Equifax. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney