davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My husband and I are currently trying to refinance our homes. Through the process, we realized that our credit scores are lower with XXXX  and TransUnion. A mortgage company notified us that one of the " key factor '' for our lower scores was that we had " Serious Delinquency ''. We obtained copies of our credit histories with both companies. Our credit histories indicate that all our accounts are 'Paid as Agreed '. We tried reaching out to XXXX  and TransUnion multiple times via phone and on-line. However, we were not able to reach anyone that could help us. We can submit disputes on-line but are limited on what we can dispute. 

Since we are not able to contact XXXX  and TransUnion to request that they look into the inaccurate reporting of our credit scores, we are unable to get better mortgage rates and lower fees to refinance. We need to be able to do this to lower our payments, stay current on all our obligations and send our child to college. Anything you can do to help us reach them and resolve this issue is greatly appreciated.
Consumer complaint received 2019-08-01
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: SYNCHRONY FINANCIAL (TX)

i had a banana republic card where I get points for purchases, and I shop with those points.  In XXXX  of this year in one day XXXX  dollars worth of points just disappeared from my account.  I called and spoke to customer service, then I got transferred around and was told oh yes this has happened to a few people I will file a report and we will get back to you.  One customer service person said the the fault was with old navy and their web services they sent out rewards to multiple people with he same number.I have copies of the reward certificates printed out from old statements each one has a ups code of some kind. Each on is unique why can they not track who they gave it to?I specifically charged services ect and pay of the bill every month so I can get reward points and use them towards clothing purchases. Its is as though the bank stole XXXX dollars from me.  It is nowXX/XX/XXXX... I have called multiple times have spoken to different people and was told after two business cycles my points or rewards would be reinstated and or I would receive some kind of notification in the mail. I have never gotten any mail from them them.   Why would I keep this card if they intend to not live up to their promises.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

On XX/XX/2019 I began the 'Recasting '' process with Lakeview Loan Servicing Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX XXXX, VA XXXX by requesting their procedures, after waiting 2 weeks for a response I called them. After 3 more weeks they sent me the wrong paperwork & I had to start all over again. In the meantime on XX/XX/19 they instructed me to wire the funds which I did, {$90000.00} for the recast plus the {$300.00} processing fee. When I finally got the correct documentation via email I signed & had notarized the documents and emailed them back to XXXX. I received no confirmation from them of any kind not for the wire & not for the documents, so of course I called to confirm & they received everything. I then spoke to a Supervisor who assured me she would expedite this process & promised it would be completed by XX/XX/19 the 60 days they say it takes to complete. Here it is XX/XX/19, I called again to find out what's going on & I am told they are sending me more documents to sign & notarize as of XX/XX/19!!!!! I know have been on hold for a Supervisor for over 1 hour, I have had enough of this runaround & would like someone to investigate this company for possible fraud & at the very least LACK OF & NO CUSTOMER SERVICE.
Consumer complaint received 2022-01-23
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: CCS Financial Services, Inc. (OK)

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe XXXX XXXX XXXX and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Consumer complaint received 2019-06-27
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)

On XX/XX/2019 Capital One placed a fraud restriction on my account ending in XXXX without providing me any warning. When I contacted Capital One I was told a XXXX block was placed on my account because I recently added 5 new authorized users. Capital One told me that my account would be frozen until i provided a picture of each of the newly added user 's license and social security card. I provided the requested information within a few days. When I called to see why my card was still frozen I was told that I would have to provide picture 's of government photo IDs and social security cards of every authorized user I ever added to my account from when it was opened over 4 years ago. Some of the users have previously been removed and I am no longer in contact with them and have no way of obtaining the documentation Capital One requires for these individuals. 

When adding an authorized user, Capital One does not even require a social security number, let alone a picture of the person 's ID and social security card, If they stated that such information would be required I would have made copies of the documents for each user when I added them. Now years later after 15 users have been added and some of them removed, Capital One refuses to remove a XXXX   restriction from my account because I can not provide them this information. I am able to provide the required documentation for every person that is a current authorized user, but I am not able to get in contact with the individuals that were removed as authorized users over 6 months ago. 

My Capital One card is my oldest credit account on file by 3 years, i have never beed late with a payment and the account has been paid in full every month for at least the last two years. If/when this account is closed by Capital One my credit score will be negatively affected by up to 75 points. I regularly use my personal credit score to run my business and purchase investment properties. This negative impact on my credit score could cost me hundreds of thousands of dollars over the next few years in higher mortgage, insurance, and auto loan rates, as well as the fact that I may even be denied some loans for lack of credit history.
Consumer complaint received 2023-10-17
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX AV XXXX, PA XXXX ; XXXX  XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$170.00} ; 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 Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

I deposited my PAYROLL check yesterday at chase bank, via mobile deposit and in the app it said funds would be available the next day, i have also set up direct deposit wich they accepted the 1 cent deposit to verify, now they are saying my money will not be available until XXXX, over a week later, i called yesterday and was told it would be available by XXXX last night so i did not call and badger them and this is a holiday weekend so no one will be in until Tuesday, my car will be reposessed by then because i bought it at a buy here pay here lot and furthermore i will have another check by the time they clear this one, this is a payroll check, not a third party check, they shouldnt be allowed to just hold my money and refuse to give the check back so that i can go elsewhere, that in my eyes is theft, they out right lied to me saying it would be available by XXXX XXXX  last night and when i call this morning they convieniatly cant reach the issuing back due to a holiday weekend, they knew it was a holiday weekend when i called yesterday and was lied to, and as far as them verifing the account the 1 cent direct deposit was made before i did the mobile deposit, that verified it right there
Consumer complaint received 2020-12-15
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

Milestone credit card was informed that XXXX XXXX has fraudulently charged {$30.00} to my account several different times. Milestone not only did not remove the original charge but charged me for the same exact amount as a reversal of adjustments which spiked my credit usage to over 130 % with no justification. It was said that they added too much credit to my account when nothing was credited. 
Milestone also has stopped attempting to take payments from my bank. My personal bank account shows no attempt to collect payment on the day of autopay for the last 2 billing statements. This has caused fees of over limit & return check fees including never giving me credit back for the fraudulent charges. 

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : milestone credit card Account # Reason : Milestone conducting hedious behaviors that forcing my credit score to go down during a time where XXXX of people are losing their jobs. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely, Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Il XXXX DOB : XX/XX/1988 SSN : XXXX
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

XXXX 2017 Mortgage lender being told my equifax file is blocked and getting error code XXXX XXXX. I 've called 4 times and been assured there 's no blocks. Ca n't get this fixed
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CCBXXXX I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2023-02-15
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. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three 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 updated : XXXX 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
Consumer complaint received 2022-05-28
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. (SC)

XX/XX/2022, Transunion has violated my consumer rights. I have written an AFFIDAVIT of Truth stating the facts. The laws that have been broken are with the facts. C.F.P.B I have attached the documents.
Consumer complaint received 2020-11-07
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. (MD)

Account Review inquiries had account that I dont even recognize, 14 accounts, the address was in a different address by I did change to the right address but I think that the person had my account mess up my credit score
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

The following account ( ComentiyBank/XXXX XXXX ) is reporting to XXXX, XXXX and XXXX when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C form proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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. 
I demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed this account on XX/XX/XXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (AZ)

I filed a dispute with  Barclays c ard about a late payment back  in  XX/XX/XXXX  . I called in  XX/XX/XXXX  and wrote a letter in  XX/XX/XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (FL)

A Fortiva credit card was opened under my name at a XXXXXXXX XXXX  XXXX XXXX  XXXX  in XXXX, Michigan, on XX/XX/2021. They charged {$5000.00} on the card and now have a past due balance of {$1000.00}. I have notified Fortiva and they are working with me to resolve this matter.
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NY)

I reached out to my mortgage company, Cross Country LLC for my PMI to be dropped in the beginning of XXXX. I was told it would take a week and a half to be processed and would receive a letter in the mail. I received a letter on XX/XX/XXXX. I completed the necessary paperwork and sent a check in the amount of {$150.00} for the revaluation of my home. An appraisal was not ordered until over a month later, XX/XX/XXXX. I set up the appraisal and it was completed on XX/XX/XXXX. After multiple calls to Cross Country Mortgage LLC. I received no information on the status of the reappraisal. I was told my appraisal process would close XX/XX/XXXX. I called back on XX/XX/XXXX and was then told they had 30 days from XX/XX/XXXX, call back after XX/XX/XXXX. I called back XX/XX/XXXX and still no information. I have never missed a payment and have continued to pay PMI ( {$260.00} ) for the month of XXXX, XXXX, XXXX, and now XXXX. Yesterday I was told a letter was mailed and can expect to receive it in 10 days. The appraisal of my house came back at {$550000.00}. I was told PMI could not be dropped. I am now disputing the appraisal as that amount is nearly XXXX lower than any house that has sold in my neighborhood in the last 6 months. I feel that the mortgage company has been delaying and not providing information at my expense as I continue to make PMI payments. I have called and left my name and number multiple times and never received a call back. Every representative could not provide me with information until I filed a complaint and articulated the dragging of feet, lacking of information and unprofessionalism I encountered. Furthermore, I feel the bank purposefully came in low on my appraisal ( {$5000.00} short of PMI being dropped ). Im sure the disputing process will take months and all at my expense as I continue to pay an unnecessary PMI fee.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I would like to get a full validation of this account the Home Depot/cityBank including a the original signed contract with my signature if they can not verify this account according to the FCRA laws I would like this account to be remove immediately Acc # XXXX