davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WI)

XX/XX/2019I contact Walmart Synchrony Bank to see if my account qualified for a lower interest rate and was advised my account would be monitored periodically to see if it qualified for such reduction. I had not heard back anything from Walmart soXX/XX/2019 I decided to call again and check to see if my interest rate can be lowered due to the Federal Reserve lowering interest rates just recently and I was advised by a Rep that no it could not be lowered, I talked to Account Manager XXXX who reread the same script that I had been told in XX/XX/XXXX. This is making it extremely difficult to clear my debt with them and it's unfair to consumers when the Feds lower interest rates but Walmart Synchrony Bank will not follow the same protocol, I'm paying XXXX bucks a month in interest alone which is beyond ridiculous, please investigate
Consumer complaint received 2022-02-14
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. (TX)

I have no knowledge of these following accounts that appears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$2300.00} Account XXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account XXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  {$72.00} ACCOUNT XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!
Consumer complaint received 2022-02-12
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.
Consumer complaint received 2020-12-28
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 received two hard inquiries on my Experian credit report on XX/XX/2020, from XXXX and from XXXX  XXXX XXXX. I did not authorize either of these inquiries. I called XXXX and XXXX  XXXX XXXX and they said that I would have to dispute the claim with Experian. I called Experian and was unable to reach resources that would allow me to file a dispute, and their website says that hard inquiries are not disputable through them and to contact the entities that performed the inquiry. I've now gone in circles and can not get any assistance from any of the companies involved. Experian has also said they are unable to freeze my credit report, meaning this may continue to happen.
Consumer complaint received 2020-03-02
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 (FL)

i had a card with Capital One and just made my payments today. They promised to send me a new card as they deactivated mine as I thought it was lost and lost it in the house The old number is XXXX XXXX XXXX XXXX and it is current as I just paid my monthly payment of {$30.00} this morning but they keep sending my card to an old address of XXXX XXXX XXXX, XXXX XXXX, Florida. 

I asked them to change my address but they refused to do so. They send me bills to my current address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida but refuse to send me my new card. 

They say that XXXX  XXXX XXXX, XXXX XXXX, Florida is not the name on file but I changed it many times with them over the phone and they agreed to change it but now not willing to do so, so I will never get the new card. 

I just called Capital One today at XXXX XXXX XXXX but they are not willing to change the address. I just made a payment today. 

I have no card because I changed my address and they are not willing to change it but promised to do it. My social security number is XXXX. They read me a bunch of numbers of cards I never even ever had that I am unfamliar with.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (ID)

XX/XX/2019 i closed my account with my bank. They actually reached out to me notifying me they were closing it. No rhyme or reason. Closed account snd then sent balance via check but did not receive. Tried resolving and repeated attempts to send and recover payment. Now the bank has been bought twice and i still have not been able to get my money. Ive tried working with the other banks but it has gone no where.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to Trident asset management to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with trident asset management and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (NC)

I have never seen this inquiry before XXXX XXXX XXXX  XXXX , XXXX- Inquiry from XX/XX/2018. Please investigate to insure there is no fraudulent activity on my credit report.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy 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 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

I have been a chase card member for several years and have always paid my bills on time. 

They closed my accounts without any consultation with me. I put some purchases on their for their insurance benefits and now I lost those. 

I am asking for the following 1 ) Either have my cards reinstated.

2 ) Or the annual fees on those cards refunded.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (LA)

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my Equifax credit report. The following account is what I am disputing : Collections XXXX XXXX Opened XXXX {$970.00}
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services is reporting inaccurate and damaging information to the XXXX major credit bureaus under my name. Several attempts were made over the past week to resolve the matter, but instead low level suspervisors who did not understand FDCPA and FCRA refused to take action to remedy the violation and also refused to transfer the calls to senior management. The XXXX agents were XXXX and XXXX. There wer prior calls to other personnel in the department who refused to correct the problem.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I was nearly killed in a car accident caused by an XXXX driver who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX  XXXX  for a month. Im waiting for my XXXX  XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.
Consumer complaint received 2022-10-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (CA)

All these credit cards on my credit report have been resolved many years ago. I very seldom use a credit card for purchases. Chase Mortgage representative made error on my payment in XXXX XXXX on the monthly Payment and transferred the loan to XXXX who said they do not have authority to resolved the issue. It's been two years and I am a XXXX XXXX XXXX XXXX Veteran and this is causing me to have serious XXXX. Thank you for helping me.
Consumer complaint received 2021-12-19
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. (GA)

Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

TD BANK SENT ME OUT LETTERS TELLING ME I HAD 20 DAYS ... ... THEY CHARGED OFF MY ACCOUNT BEFORE THE 20 DAYS ... .THIS IS A BREACH OF COMMUNICATION ... ..I WENT INTO THE BRANCH ... XXXX XXXX XXXX A PERSONAL BANKER AT THE XXXX BRANCH IN XXXX MD LIED TO ME ... .SHE WAS SUPPOSE TO CREDIT MY ACCOUNT {$50.00} ... SHE DIDNT ... SHE WAS WAS SUPPOSE TO CONTACT THE TD BANK COLLECTION DEPARTMENT SHE DIDNT ... SHE LIED TO ME ... THERE PRACTICE AT THIS BANK ARE DECIEVING AND MANIPULATIVE.I WILL BE FILING A FEDERAL LAWSUIT IN US DISTRICT COURT THIS WEEK FOR XXXX XXXX DOLLARS ... I AM SUING FOR A BREACH COMMUNICATION, DECEPTION AND MANIPULATION ... I MAY ALSO FILE A XXXX XXXX DOLLAR CLASS ACTION LAWSUIT AGANIST TD BANK ... ..THIS CLASS ACTION LAWSUIT WILL BE ON BEHALF OFF ALL THE CUSTOMERS OF TD BANK WHO HAVE GONE THROUGH THIS INCONVIENCE ... ..MY ACCOUNT SHOULDNT BEEN CHARGED OFF ... .THEY SHOULD HAVE KEEP THEIR PROMISE TO ME AND THE ACCOUNT WOULD HAVE GOTTEN PAID OFF ... .I WOULD LIKE THE FEDERAL GOVERNMENT AND TD BANK TO PLEASE DO AN FORMAL INVESTIGATION ON THIS MOST IMPORTANT SERIOUS MATTER.THEY ARE IN VIOLATION OF SEVERAL FEDERAL BANKING XXXX ... .I AM ALSO SUING THIS IS A VIOLATION OF THE FAIR DEBT REPORTING ACT ... .I BELIEVE I WAS REPORTED TO CHEX SYSTEMS ... ..I AM A XXXX STUDENT ...
Consumer complaint received 2023-02-06
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. (NY)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CO)

I was in forbearance during the pandemic and was working with my mortgage company Shellpoint, on a loan modification. We started working on this months ago and finally a few weeks ago I was given my three options and was approved for the modification I picked. I was told via email back in XXXX, I believe XX/XX/XXXX, that there was no paperwork necessary, but now there is and shellpoint is not providing me with my documents to sign and are threatening me now that I am in default. All of this since XX/XX/XXXX is documented via many, many emails. Shellpoint keeps feeding me lies and telling me that documents were mailed, then XXXX XXXX then telling me that I can get the documents from a notary service they hired on my behalf that I can never reach and the list goes on with the delay tactics. I am now past my deadline and Shellpoint will not let me speak to anyone other than the representative assigned to me. I have tried reaching FHA but I haven't had any luck getting a live person yet. I've reached out to local FHA/HUD locations and they said it's out of their realm. How can I get this resolved so that I do not lose my home? I have most conversations via email so that I can prove I've really done my duediligence in this matter and that Shellpoint seems to be delaying and making obstacles for me. I'm so worried now that I'm going to lose my home. There are more issues that I can explain such as conflicting information given, wrong websites to go find my documents, wrong phone numbers given, etc ... that has delayed this to this point where I'm terrified of what is going to happen now. Thank you for your time.