davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

Company decreased limit by XXXX XXXX dollars before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an accountant who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line to half now shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

I called XX/XX/22 to setup payment arrangement on a debt for XXXX. After verifying who I am, the rep stated I owed XXXX XXXX. I asked why is there a XXXX difference and she didn't know. She stated I could set up a payment arrangement for the amount showed in their system while they investigate. I disagreed and asked to speak to a supervisor. She transferred me to a gentleman who wanted me to re-verify which i was hesitant because for one, i already did and secondly there's this XXXX difference the last rep couldn't explain. The guy was so rude and stated it doesn't matter if i verified and i need to do it again. After going back and forth i stated I will just let my attorney look at it and ended the call. On XX/XX/22 I woke up to 4 credit alerts for negative items. I have multiple bills all under one account. He reported 4 of the higher accounts separately out of spite. The letter shows only one account number for everything. This dropped my score XXXX points.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-04
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. (TN)

I have the following issues with Equifax, XXXX, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX   XXXX  and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Consumer complaint received 2020-08-13
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. (MI)

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Conduent Incorporated (NM)

I certified for my unemployment the week XX/XX/2020 I got paid XX/XX/2020 to a wrong direct deposit account. I called everyday till today from the XXXX to dispute my case nothing has been resolved Im missing {$160.00} and no ones been able to trace it. I called the bank too. I told unemployment to send my payment to my eppicard account if the bank refuses payment and sends it back to Unemployment to issue payment to my prepaid card but my account is suspend/closed when log or I mean try to log in it say closed account. Why!?! I did nothing wrong on my part to have it closed
Consumer complaint received 2023-01-07
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are 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 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Garner & Conner, PLLC (FL)

Garner & Conner PLLC Attorneys At Law ( they do not advertise as a debt collector ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX. Phone number XXXX https : //www.garnerconner.com/ My Last communication was in XX/XX/XXXX and since that time have garnished my checking account as of XX/XX/XXXX and left me with no money to pay my bills. I called the number my bank provided me and had to leave a message but got no return call. Around the time of the last communication I hired an attorney to have the matter dismissed " with prejudice ''. This attempt to collect an old debt that has been charged off should be made illegal. Particularly that they can have the matter " legally '' bound by court that they can wipe out your entire bank account so that you can not pay your bills. I have all my documentation for this issue.
Consumer complaint received 2023-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank automtically rolled over a 36 month certificate of deposit ( CD ) into a new CD without giving me the opportunity to tell them to cash it out instead. When, after 5 business days, the proceeds had not shown up in my cash account as I assumed they would, I called Synchrony and they explained that I had to called them a maximum 45 days in advance to instruct them how to respond to this CD maturing. Despite being an online bank, they provide no online means to request cashing out a CD at maturing. The only online response they provide is to specify the term of a new CD into which to roll over the maturing CD, and that term must be greater than zero. On the phone they told me that I could only cash out a maturing CD by phoning them. They told me that they sent me a notice to specify what I wanted to do with this CD before it maturied and that such notice was also contained in my last ( quarerly ) statement, neither of which is true. Since I was calling within the 10-day " grace '' period, they agreed to cancel the rollover and deposit the proceeds into the cash savings account that I also have with Synchrony. However, they refused to take my instructions to cash out another CD I have there when it matures XX/XX/XXXX because that is more that 45 days out. 

Synchrony Banks acts likes it cashing out a CD ( I'm retired and use these proceeds for living expenses ) is a special event for which they must grant an exception in their good graces instead of an entitlement to receive my savings after my savings contract has been completed. I never told them to rollover this CD nor did they ever ask for my permission to do so. The reasonable assumption of a customer is that when his CD 's term expires, he receives his cash to do with as he pleases be that to spend it or to invest in another CD ; it is his choice, not the bank 's.
Consumer complaint received 2022-11-06
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

Dear Customer Financial Protection Bureau, I am contacting you in complaint of Citibank 's abuse of their terms of conditions through not depositing an opening account bonus of {$700.00} to a Citi Priority customer who has correctly and accurately met the conditions to receive said bonus. After originally signing up for a Citi priority checking account on XX/XX/2020. I signed up for paperless statements and deposited a combined amount of over {$50000.00} within 30 days as stipulated by the conditions of the bonus.I met the condition to receive the bonus on XX/XX/2020 which was confirmed by their representative online as well as the Citi Priority Customer care representative over the phone.

The bonus offer clearly states that once conditions have been met for the bonus, it should be paid into the checking account within 90 calendar days of completing all required activities. This would mean I should receive the bonus by XX/XX/2020 at the latest. I have still not received the bonus at of XX/XX/2020, even after all indications were given that I would receive it by this date at the very latest. 

I spoke to a customer service representative today by phone XX/XX/2020 who told me I needed the promotional code so that I would qualify for the bonus. I have never received a promotional code from them, even though I clearly signed up for their {$700.00} bonus promotion. I signed up for the {$700.00} bonus through Citibank 's own website and link to the promotion. The representative indicated that I may not receive the bonus without the code. 

After this I then spoke to their representative by their online chat and they indicated I would get the bonus by the third week or fourth week of XXXX! That would be nearly 1/2 year since I met the conditions to receive the bonus. 

I have attached all my documentation and evidence in the attached file. 

I find Citibank 's customer service quite repulsive. They have constantly lied to me and do not feel obliged to meet terms and conditions, even though they expect their customers to do so. This is not the way a bank should do business in 2020. 

I have attached as much documentation as possible in the pdf file regarding the above. 

Sincerely.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

In XXXX I applied for a Covid forbearance on my mortgage loan and was granted for 3 months. After the first month, we started paying or monthly mortgage payment ( which only put us a month behind ). After the 3 month forbearance period we were sent a bill for our current monthly payment and for the month that we missed. The statement stated that I needed to pay the full amount and if I couldnt call and they would try to assist me in a payment plan for the past due. Each time I called, I was deferred to their call back system because all customer service representatives were busy. I never received a call back from SLS. During this time I made payments to the account which was not reflected on my statements. I recently received a letter from them stating that my loan was in default and I needed make my loan current. XX/XX/2020 I got online and paid in full in order to not be in foreclosure. Today XX/XX/2020, I received a letter stating that they applied the payment to my account but I would have to pay XXXX in order for them to reinstate my account. I tried calling them again and got the same run around ( receive a call back ). 
In addition, I pulled up my account online and noticed activity on my account ( charges ) that were not even related to my mortgage loan. These charges include transactions that are titled single item receipt and unapplied funds unidentified. Further the mortgage payments do not reflect the total amount I paid. 
I have pulled up my bank statements and have proof of them receiving online payments and checks for my mortgage loan.
Consumer complaint received 2023-07-01
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. (NC)

This account should be closed with all negative payment removed. XXXXXXXX XXXX was found guilty of using predatory lending and recruitment practices through the XXXX XXXX XXXX. 

Before the judgement was made I set up an auto-debit with this institution but they continue to report my account past due and will not place it into good standing. 

I also was never notified of any late payments, this innacurate information is only reported to the credit bureaus and they have refused to remove the late payments or report the accurate status of my account. It is even reported in the 'Notes ' section of my credit report that I was on a payment plan but they still report my account as past due.
Consumer complaint received 2020-08-13
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: ENCORE CAPITAL GROUP INC. (NJ)

I notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX  advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.
Consumer complaint received 2020-08-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.