davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to Equifax on XX/XX/2020 and XX/XX/2020 about an inaccurate XXXX account and unauthorized inquiries that are on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 6 months these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I have already filed a FTC report. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (MD)

I opened the account with XXXX XXXX, where they told me that there is not monthly charges for the account with FREE checking. It was that way for a while. Then M & T bank acquired the XXXX XXXX. My account moved to M & T and they honored the term for years. 

I find a monthly fee ( {$2.00} ) for getting monthly paper statement suddenly. I have sufficient balance and bank is not paying interest for my account. There is no interest option with this bank. 

I asked them to waive my monthly fee or provide quarterly paper statement instead of monthly. They did not honer my request. 

They are asking me to signup for electronic delivery and forgo paper statement to waive the FEE. When I review this option, it is asking to me sign up to receive all bank communication electronically. I am not sure, it is a good idea. I need docs for records. 

I am not sure, shifting of making the statements to customer fair/helpful. 

I need your help to get my paper statements without any FEEs. 

Regards XXXX XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (LA)

I have disputed this account MULTIPLE times with the Credit Bureaus and also the debt collection agency. Not only have they not sent any proof that this debt is mine, according to the FDCA, a debt should be removed after 7 years of the first missed payment. ( Not the date the account went into collections ). This collection is passed 7 years and I want it moved from my XXXX  report or I will be contacting my State Attorneys office.
Consumer complaint received 2021-01-06
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. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2021-01-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

XXXX
Consumer complaint received 2024-02-08
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Synovus Bank (DC)

I paid this company XXXX XXXX XXXX and his former partner XXXX XXXX XXXX to repair my credit on XXXX of this year ( 2021 ) until now XXXX XXXX XXXX have been convicted and banned by Federal Trade Commission for his bogus credit repair practices. I purchased {$1500.00} XXXX XXXX product and paid XXXX XXXX XXXX as well {$200.00} for two First Progress credit green colored cards that never gave me XXXX percent cash back, paying annual fees, their interest rate is expensive, and their repayment options are iffy using a third that charges a fee to sent it instantly.
Consumer complaint received 2021-01-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

XXXX
Consumer complaint received 2023-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

During the pandemic, my account was transferred to Carrington Mortgage Services. After fighting tooth and nail I got them to process a modification on the account. In XXXX, due to everything that was going on I was able to qualify for my mortgage to be paid for 18 months by the. The payments are made directly to Carrington but instead of applying the payments accordingly to my account, they have made a bunch of random payments and fees causing my account to not balance correctly. Now my account looks like it is two months behind but it is because the payments were inappropriately or not even applied to the account. I believe that there are some issues with their accounting and how they are applying those payments. I could tell where a portion of a monthly payment was taken and an entry for curtailment was entered instead of being applied to the monthly due causing the payment to be not only late but short of the monthly payment.
Consumer complaint received 2024-02-08
Product: Credit 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: SYNCHRONY FINANCIAL (CO)

Charge amount is {$180.00} and the charge hit my account on XX/XX/2023. I reported a dispute to the vendor XXXX XXXX and to the credit card issuer, Synchrony Bank . During the course of the vendors investigation, they agreed in writing that a refund would be issued ; however, since the card issuer had given me a temporary credit, the vendor said there was nothing for them to do again in writing. 

The card issuer reversed the credit, despite the cofactors that the vendor was admitting a mistake. The card issuer didnt care. They refused to review my communication with the vendor. 

The vendor said if I could get a letter from the card issuer denying my claim, they would send me a refund. The issuer has not sent me a letter despite several requests.
Consumer complaint received 2024-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Round Up Ventures, L.P. (MT)

A female caller was very aggressive on the phone. When I asked about the validity of the debt, she threatened by saying she would make sure that " I am held accountable. '' She also mentioned they has already hit my credit report.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IA)

On XX/XX/2024 I received a letter via paper mail from a Midland Credit Management Inc. stating that I owe them money for a credit card debt for the amount of {$670.00}. Here is the text verbatim from the matter : Dear XXXX, Midland Credit Management , inc. has made several attempts to contact you regarding this account. MCM is now considering forwarding your account to an attorney in your state for possible litigation. Upon receipt of this notice, please pay at MidlandCredit.com or call XXXX to discuss your options. 

Additional : if we dont hear from you or receive payment by XX/XX/2024, we may proceed with forwarding this account to an attorney.

To the best of my knowledge however, I have not received any communications for the alleged debt nor have I received any communications regarding a third party, in this case MCM, buying my debt to the credit card company and that I now owed them instead.

I believe my consumer rights have been infringed upon by Midland Credit Management by them failing to properly contact me and in turn I contact them back to verify this debt.

After doing a small bit of online searching I read multiple stories via XXXX and other sites including CFPB about shady practices and debt collections from this company. I do not want to contact them as I think I could be tricked into verifying a debt as mine when it may not be the case.

Ill provide any other information as requested, via email to begin.

Thank you for taking the time to go over this with me XXXX XXXX
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I was victim of a scam. A supposed employer send me a fraudulent check worth of {$2500.00} which I deposited into my Wells Faro account. After that the employer asked me to send a cashiers check for {$2000.00} to a third party which I did on the same day. 
The following day I realised I was scammed and I reported it to Wells Fargo.After investigation, Wells Fargo did not offer me any scam victim protection and closed my case.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

on XX/XX/XXXX Citi Bank CBNA has left unautorized hard inquiry on my credit file at XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX so i didn't autorize to pull my XXXX Credit Bureau
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC (NC)

On XX/XX/year>, I received an email from MRS BPO , LLC ( located at XXXX XXXX XXXX XXXX, NJ XXXX ) concerning an alleged debt for XXXX XXXX under XXXX XXXX # : XXXX. I disputed the validity of the debt with XXXX XXXX XXXX via e-mail and their online dispute form. According to XXXX XXXX XXXX : " If you write us by XX/XX/year> we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX XXXX XXXX 
Although I disputed this account and have not received any response, I am seeing a collection with XXXX XXXX on my XXXX credit report. I also received no contracts to validate the alleged debt. I am submitting proof that my dispute was submitted before XX/XX/year> and so there should be no collection from XXXX XXXX on my credit repoit.
Consumer complaint received 2024-02-08
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: Westcreek Financial (FL)

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.
Consumer complaint received 2024-03-19
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. (NJ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-06-03
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have been paying our mortgage every month and our funds have been stored in the escrow account. Amerihome should have been paid our home insurance company on XX/XX/XXXX. As of XX/XX/XXXX, our insurance company has not received payment and we do not have insurance coverage on our house. I have contacted the company repeatedly to no avail. This is serious negligence and I hereby make Amerihome mortgage liable for any damages moving forward for not paying our insurance from the escrow account.
Consumer complaint received 2020-08-17
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)

This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Hello, Please take note the I was sent the enclosed advisory via email today. As a matter of rule I am entitled to receive a bill upon due date and have elected from the creation of this account to have the same applied. 

Moreover, as a customer I believe I am protected under the grandfather rules to continue as noted. You may imposed this new rule on your new customers, but can not retroactively impose the same on your existing customers. This account, if at all, should be offering a discount to promote a conversion to paperless billing, not taking advantage of the convienience to increase their profits, on top of your already exorbitant interest rates. 

As submitted : XXXX XXXX, We're following up on recent changes to your XXXX agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. 

To select the form of your statement, follow the steps below.

Not registered for online access yet?

Click the button to : 1. Sign up for online access.

2. Select Paperless Statements.

SIGN UP Already registered?

1. Log in to your account and click on Statements.

2. Follow the instructions on the screen. 

LOG IN If youd like to keep receiving paper statements, no action is needed. Just remember, a {$1.00} Paper Statement Fee will be charged to your account each month you are sent a paper billing statement beginning in XX/XX/year>. 
Paper Statement Fee. We will charge a {$1.00} Monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. To make an election regarding the form of your monthly billing statement, please sign up for or log in to our servicing site. 

Synchrony respects your privacy. To read more about our privacy policy, please click here. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 


ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your CareCredit account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your CareCredit account. 


Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com 2024 Synchrony Bank XXXX CARECREDIT_PLCC
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

I opened a Ulta Beauty store card and made a purchase of {$23.00} in XXXXXXXX XXXX XXXX. I did not receive my account information until XX/XX/2023 while my brother was in hospice out of state and eventually passed away. I paid over {$50.00} to the credit card company once I received my bill, however the are trying to collect an additional {$170.00} in penaltys and fees which is ridiculous for a {$24.00} bill. Its not reasonable and they are threatening to keep charging more penalties and fees and interest on the penalties and fees and interest.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I was working with XXXX XXXX XXXX XXXX XXXX settle a debt owed to XXXX XXXX XXXX XXXX XXXX The account was settled and closed on XX/XX/XXXX and XXXX sold the debt to Midland Credit Management on XX/XX/XXXX. I have been receiving notices trying to peruse legal action by Midland even after notification of debt settlement with XXXX