davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (MN)

TransUnion and XXXX is furnishing wrong information on me and when I dispute they wont take it offThis is hurting my credit.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2023 I initiated a balance transfer from a Truist Credi Card to a XXXX XXXX  Credit card through XXXX XXXX XXXX mobile site. On Truist 's website, I was not informed that balance transfers could take up to 30 days and that I would be responsible for the interest during that time. I had made a balance transfer before and never had that issue. This time the balance transfer showed up in my XXXX XXXX account on XX/XX/XXXX but has to date as of XX/XX/XXXX the transfer is still not reflected on my Truist account and I am being charged interest on an amount that I thought had already been transferred. In this 30-day transfer period ( that I was not informed of ) I am being charged interest by two different banks for the same money. How can it take 30 days on one side to process a transfer but it goes through right away on the other side? How is it legal that through this process I have two accounts showing the same balance and being charged interest on both accounts?

Presumably, this would also impact my credit as I am showing double the amount of debt.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

I received in the mail on, XX/XX/2023 ( it was post marked XX/XX/2023 ) a letter informing me that I have opted into overdraft protection however I have never had an account with Regions bank. I have not authorized anyone to open an account nor have I opened an account. I need this resolved please. I have never had this happened before and it is scaring me.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-03-09
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. (FL)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXXXXXX 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 2017-06-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (GA)

Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One XXXX XXXX credit card has a feature/benefit in which I am supposed to receive a {$200.00} credit for XXXX. I booked and paid for XXXX on XX/XX/XXXX - {$31.00}, XX/XX/XXXX - {$93.00} and {$74.00}. I contacted Capital One on XX/XX/XXXX because I wasn't credited and they said that I would receive the credit by the first week of XXXX. That date passed and I still don't have my {$200.00} XXXX  credit. Capital One needs to credit me back the {$200.00} that I earned for the XXXX  bookings.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (FL)

I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
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 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (UT)

A check for {$2300.00} was mailed to Comenity Bank to pay the full balance of my XXXX XXXX credit card, on XX/XX/23. the check was applied to the account according to their website on XX/XX/23. The account was overpaid by {$200.00}. Yesterday I emailed them and requested the {$200.00} I overpaid be refunded to me and received a response that the refund request had been made and to wait 7 days for the check. 

Today I logged into check on things and the website shows that the {$200.00} credit has been reduced to {$150.00}. Reviewing the account it clearly shows interest being charged the day AFTER the account was paid in full. I do not believe these charges are valid and want them reversed. I called the company and spoke to 2 different individuals XXXX ( I may be remembering their name wrong ) first and then a supervisor XXXX. Both insisted that they can not reverse the charges, and XXXX insisting that they are valid. The first person I spoke with also said that the payment posted on XX/XX/23, but as you can see from the attached pdf of my account ( account summary.pdf ) it says it was posted on XX/XX/23. 
According to the dates on their website after logging into my account, the charges were posted after the balance was paid in full. I have read my account statement and I do not see anything that says they can charge interest after the balance is paid. I want the charges reversed and my full overpayment of {$200.00} refunded to me. Thank you for your time and assistance. 

XXXX XXXX
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (IN)

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.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I started a mortgage with Investor bank in 2015, my monthly payment was around {$2.00}. Now they sold the mortgage to Citizen and they changed my principal rate. My current payment is {$4.00}. According to your new calculation, I will pay off my principal debt in less than 10 years. In other words, they changed unilaterally the terms of my contract. I called and explained that they can't change the principal, it's not a 30 years mortgage anymore. This amount is too high and my husband and I are having a hard time. Please help us. I called the bank multiple times and I sent and official letter. They replied that they are reviewing my case and get back to me in 30-60 business days.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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

The letters are stated with items and issues.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (MA)

True accord wont stop harassing me for a balance I had with XXXX. XXXX sent my balance of {$140.00} to collections with true accord without my knowledge I had a payment due. I paid it off awhile ago and true accord is still harassing me and I can not get them to stop. I paid XXXX  {$140.00} and have no balance due. I should not be harassed anymore. They need to fix my credit if they messed with it. I will attach a photo of my {$0.00} balance due with XXXX  and the harassing emails Im getting from true accord.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

On XX/XX/24 I used my debit card twice and they locked my account saying it was fraud. No texts no emails notifying me just simply locking my account. I called the fraud department and provided them with all my information and they said they still couldnt verify me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-03-09
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. (IL)

Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days. 

Transunion failed to respond telling me how they did their investigation. Who did they talk to at the original credit grantor? Did they write them? Was a UDF form used or was this through electronic automatic dispute verification? Did they contact them at the same address/phone number listed on my report? 

The FCRA says that Transunion has to tell me this in 15 days if I ask. Transunion provided no response nor deletion of the tradelines. Transunion failed to Tell me exactly how they verified this and include the full name of the person they spoke with. 

Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days.
Consumer complaint received 2023-03-09
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. (IL)

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX  is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS.

HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION.

IAM A VICTOM OF XXXX SECURITY BREACH...
Consumer complaint received 2023-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (IA)

I was put on a forbearance due to the pandemic starting in XX/XX/XXXX. During that time no payments were made since I was on a Forbearance. The Forbearance ended in XX/XX/XXXX. I was set to resume making payments in XX/XX/XXXX which I did. I was advised to submit a application and requested documents to be reviewed for a Loan Modification to bring the loan current which I did. On XX/XX/XXXX I was put into active foreclosure. I am constantly having submit and resend documents. I get a different answer from loss mitt every time I call. Anytime I ask to speak to a supervisor or XXXX I am denied. I am not being helped at all. I am trying to retain my home and since I was put on a forbearance due to the pandemic they are required to provide me retention options since I can afford the home. I am begging for help because I am getting no where with this mortgage company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( XXXX ) XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

When I was called to XXXX XXXX XXXX, Synchrony Finance failed to put three of my credit accounts in Service Member Civil Relief Act ( SCRA ) status. After multiple failed attempts to get Synchrony Finance to put my accounts in SCRA status so that I could pay them off in accordance with SCRA capped interest rate provisions, Synchrony Finance charged-off my account in XXXX. I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX Synchrony Finance then retroactively placed all three of my credit accounts in SCRA status and refunded two checks to me. Synchrony Finance, on the other hand, refused to accept responsibility for their role in charging off my account with the correct amount and balance owed, which had a negative impact on my credit report. Synchrony Finance 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit account, change the terms of my credit, or refuse to grant me credit simply because I exercised my SCRA rights. Furthermore, a lender can not provide negative information to a credit reporting company simply because I exercised my SCRA rights. The SCRA required Synchrony to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate ; resulting in incorrect balance and debt owed ). They only agreed to retroactively cap the interest rate and adjust fees after I hired an attorney to send a letter and filed an official CFPB complaint.
Consumer complaint received 2023-03-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.