davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I have contacted ChexSystems after being denied a free checking account with XXXX XXXX XXXX. I was told by the employees at ChexSystems they did not have the reason as to why. Upon their request I inquired with them for my report. Nothing show derogatory on the report and there is not explanation as to why XXXX XXXX would make this decision. I then emailed ChexSystems again asking for a more detailed explanation. I made the request over 2 weeks ago. I apologize I do not have the exact date of my second request. The original request was received the end of XXXX. My Consumer ID is XXXX. 

All I'm asking is for an explanation as to why I would be denied a free checking account. I currently bank with XXXX and am in very good standing. 

Thank you for your time with this matter, XXXX XXXX
Consumer complaint received 2024-03-14
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 instruction
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank XXXX credit card Transaction date : XXXX Amount in dispute : XXXX ********************************************************** Explanation of complaint : Made payments of {$990.00} and XXXX over and above the " minimum due '' to pay the full principal amount remaining on expiring promotions. However, come to find out that heir system does not apply payments to an expiring promotion, it allocates them across all transactions, nor does it take an adequate amount through " auto-pay '' to cover expiring promotions. This despite the fact that their auto-pay enrollment pitch includes claims that you '' never miss a payment '', etc. Which is just a deliberate half-truth. You won't miss a payment, but they won't allocate those payments so as to prevent the promotional balance from defaulting so they can assess the deferred interest. 

Customers have to call in, fight their way through an automated phone system, hope to get a live representative that is actually helpful, and then request that payments over-and-above the minimum billed as due for the month be applied to the expiring promotions. If you do not do so, Synchrony 's system allocates the payments across all balances and assesses the accrued interest charges on the expiring promotion ( s ) ( supposedly no-interest for varying periods ranging from 6 mos to 36 mos if timely payments are made ). 

In addition, sending any payment greater than the minimum due ( i.e. the full amount of an expiring promotional balance item ) prevents the auto-pay from occurring, causing further issues. It is all unfair and deceptive!! They have made it as difficult as possible to avoid having the interest assessed on expiring promotional balances despite making all payments on time. I don't think any of it is any accident. 

Business Name : Synchrony Bank - credit card XXXX XXXX XXXX XXXX, FL XXXX Bus Phone : ( XXXX ) XXXX Website : XXXX : XXXX? XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has been reporting my mortgage late, even though they are still taking money out of my account bi weekly. I had a forbearance ( aprox 1 year ) {$12000.00} aprox pushed to the end of my loan ( for covid ) when the principal was paid off i still owed the balance of the forbearance. At that time they informed me, i could keep making payments like normal ( at no interest ) or pay it off or refinance it. So i said if its XXXX percent, just keep it the way it is. I applied for a small loan last week and was declined because they said my mortgage was approaching 90 days past due... .Bank of America has recorded phone calls of me and their support agents verifying that my loan was being paid as agreed. I spoke w several Supervisors at Bank of America, 2 of them said they will fix the issue and the 3rd said I am out of luck...
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On my XX/XX/XXXX credit card statement for my Chase Sapphire Reserve card, I noticed that the promotional offer I'd taken advantage of under the My Chase Plan appeared to have a much smaller balance than expected and the balance I was being asked to pay as my interest saving balance was much higher than expected. 

The My Chase Plan was supposed to be in the amount of {$3500.00} but because merchant credits totaling {$2800.00} had been applied to my account along with the required interest saving balance payment of {$8300.00}, Chase applied the merchant credits to the My Chase Plan instead of the purchases that were applied to my account from the merchants. 

This resulted in my having to pay almost {$3000.00} more than the purchases that actually took place for the billing cycle. 

While I understand that overpayment of the interest savings balance will be applied to the lowest APR first, in line with the CardAct of 2009, the credits in this case were not payments and should have been applied against the merchants that originally billed me. 

If I do not pay the extra almost {$3000.00} that the bill shows, I will be charged for interest. I have been keeping my agreement to pay for the My Chase Plan as outlined when I agreed to it and feel that this is misapplication of payments which I want corrected.
Consumer complaint received 2024-03-13
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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-13
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. (OR)

For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :
Consumer complaint received 2023-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Last year I was awarded 100 % XXXX from the VA. Because of this, I no longer pay property taxes in Texas on my homestead property. In early XXXX I was notified by XXXX XXXX that my mortgage servicer had requested this information and had received it. In early XXXX I notified Freedom Mortgage that I had changed insurance companies and that bill lowered from $ XXXX to $ XXXX and I was seeking for the mortgage/escrow to be adjusted appropriately. 

I sent another message a week later ( after no response ). Last week they notified me that my payment would be adjusted in XXXX ( it has been ). In XXXX, the balance of my escrow was {$4800.00}. New insurance was paid for ( - {$1300.00} ) so the balance should have been {$3500.00} of which I requested be refunded. 

It is now XXXX and the escrow account shows that it is low, there is no disbursement note on the account, and I have not received return of my funds. Company has not responded to my email as of this time.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

On XXXX i deposited my payroll check in the amount of {$1500.00}. I then went to my landlords bank and wrote a check against the deposited funds on my Chase account only to find out today XXXX that my check is being placed on a hold until XX/XX/15. I have no access to any of my funds, my rent check is going to bounce even though I have never had any fraudulent activity, never bounced a check. I have been transferred and passed around to different departments. I cant close my account and get my check back because of the pending deposit. I am totally screwed. I want my check back and I want to close my account.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (RI)

I got notice of this debt via calvary portfolio by mail one time, the paperwork had no information about where this debt came from. I tried resolving this by contacting calvary portfolio directly and they told me that they didn't have any records of the debt at the time which left me in a position to not be able to track down where this is coming from. However, on my credit report calvary portfolio is still showing up as a derogatory collections mark and is hurting my progress trying to rebuild my credit. I have no knowledge of where this debt is coming from or what it could be and its been almost a year or more of this negative mark keeping me from improving my credit score.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$860.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 

UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

all accounts never properly communicated nor gave proper options to settle account. 
never reported to my insurance before reporting to my credit por verifying myself. 
i have disputed all negative items with all creditors collection agent continues to report until XX/XX/XXXX i find that very unfair if no one tried to actually file or report to my insurance at the time of XXXX when accounts were opened.
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (FL)

Sezzle has caused my credit score to drop due to incorrectly reporting that I still have a balance of {$150.00} to pay off with them, when in fact it was paid in full. They also incorrectly reported that I originally had an available credit limit with them of {$970.00}, which I never did. My account is paid in full and I only have an available credit limit of {$600.00}. Once they correct this information, my credit score will still drop due to the {$370.00} difference of the actual available credit. They are supposed to be updating this information on a monthly basis but obviously aren't. This report on my credit shows the status updated as XX/XX/XXXX and it's now XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian & XXXX bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (IL)

Wells fargo has broken many laws in regards to my Vehicle Here is the main law that is broken within the contact Usc 1605 : States that Life, accident, health and life insurance is supposed to be included in the Finance charge. This is not the case and this is a MAJOR VIOLATION! 


Usc 1635 : states that a consumer has a right to rescind the contract if certain guidelines aren't met. The creditor is to legally inform a consumer of their right to rescind and they have 3 business days. If the consumer is never notified, they have 3 years. On a recorded line Wells fargo stated, they dont have to follow these U.S. Laws. I sent my paperwork for rescinding the contract and ceasing and desists, but they have repeatedly denied it. I am following up with a lawsuit against wells fargo. 
They were just fined {$3.00} XXXX for deceptive business practices. I refuse to back down from a company who is still breaking laws. 

THIS CONTRACT NEEDS TO BE TERMINATED, REMOVED OFF MY CREDIT PROFILE AND THEY OWE ME MONEY BACK! 

Please read these laws for yourself! 15 USC 1605 15 USC 1635 I HAVE A PENDING LAWSUIT AGAINST THEM
Consumer complaint received 2022-11-10
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: Ready Capital Corporation (FL)

A XXXXXXXX XXXX  processed by ReadyCapital has been reported as delinquent to XXXX, after I filed a complaint with the XXXX XXXX XXXX because the loan name is not my name. It looked like a fraudulent transaction between some loan processor and ReadyCapital, under the label of XXXX. I requested XXXX to fix it, but XXXX said that only ReadyCapital can do it. Despites of letters, and many calls that were never answered the problem persists. Even the XXXX XXXX of XXXX did not answer my complaint. I do not know many cases are like this, but this is affecting my credit.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Carvana Group, LLC (OH)

On XX/XX/XXXX I placed an order with XXXX for a XXXX XXXX. Total price {$23000.00}. It was to be delivered XX/XX/XXXX. I gave them bank details so they could verify I had funds available. They processed an ACH and funds were taken XX/XX/XXXX. On XX/XX/XXXX XXXX told me that due ti delivery problems the car would now come XXXX. I inquired about my funds and was told that if I had to cancel the car an ACH would be processed right away, no delay from XXXX. On XXXX XXXX delivered the wrong car ( different color and XXXX more miles ). Delivery man confirmed the car was wrong said he would be back in 2 hours with correct car. An hour later he called and said the pictures of the car online were not reflective of the one he had to bring me ( stained interior and many scratches on exterior ). I told him I wanted to cancel and get my money back. He agreed. I had a chat with a live representative that afternoon confirming the cancellation and my refund amount. On XXXX I called XXXX to reconfirm as the amount was not in my bank yet. While the customer service person could see the cancellation he noted that a refund had not been processed. I asked for a wire transfer. Representative called me back and said that a refund had been started but that their system would only allow an ACH refund and nothing more expedited even though they acknowledged they were at fault in the delay. I think it is unfair that XXXX took my funds without delivery when they could have just checked availability or taken a down payment. I think it is very unfair that after recognizing their error in not initiating an ACH on XXXX as promised they did not spend the extra dollars to send me a wire rather than another delay with the ACH process.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Attached you will see XXXX XXXX transactions that were sent to me on Tuesday XX/XX/2023. Neither of these were deposited into my account until this morning but with yesterday 's date. The email attached from BOA states the funds will be in my account in XXXX minutes, it took almost XXXX hours.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

When i try to apply for business loan, i was told by my agent that i have so much inquiry on my account. I then pull out my credit report and I Noticed some Unauthorized Inquiries on my report that don't have my permissions or not aware of of. 
Here is the list of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I already file this complain with FTC and the report is attached in here.
Consumer complaint received 2022-05-24
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. (TN)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans. I requested this information to be corrected XXXX of XXXX.