davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
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 (NV)

I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since the statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$3100.00} on XXXX  and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$9900.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. '' Synchrony Bank informed me that the reason is that purchases with details XXXXXXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XXXX, all purchases with details XXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for " Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for " Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull my credit report.
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My spouse and I are the first-time homebuyers. We applied to Bank of America for a Home loan Mortgage. Both of us are Bank of America clients since XX/XX/XXXX. The loan officer and bank did not inform us about not providing the loan estimate until 7 days after our application. We were rushed through the credit pull thus locking us in but were kept on hold whenever we are some clarity regarding the loan estimates. The bank executives are not transparent to the customers upfront and make them lose 2-3 weeks of time in an aggressive market. They changed their policy overnight to no longer provide loan estimates until we go under contract with a home purchase offer. This makes it very risky for us since lock ourselves with their loan application. 
This action has not only led to miscommunication, mistrust but also has caused us stress. 
I request CFBP to compel Bank of America to carry out more transparent practices.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 a account without my written instructions
Consumer complaint received 2023-07-26
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. (IN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have been sending two payment monthly to my mortgage loan servicer ; one for the monthly payment amount and one for an additional principle payment. In each of the past three months of XXXX, XXXX and XXXX the additional principle payment was processed and posted as if it were a regular monthly payment. I have called each of those months and pointed out the error and asked for them to note my file so that the error would not happen again. In both XXXX and XXXX the error was corrected and I was assured that it would not happen again. I called yesterday and was told that it was my fault and that I should pay online if I wanted the payments applied correctly. This is directly opposite of what I was told previously. When I asked for a supervisor I was parked on hold and never retrieved. My Calls were made on XX/XX/XXXX and XX/XX/XXXX and those payments were reversed, then correctly posted. I should not have to call every month to push PennyMac to apply the payments properly. I have never had this issue with any other lender and it appears that they do not have any intentions to correctly post my payments.
Consumer complaint received 2021-01-14
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: JPMORGAN CHASE & CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (OH)

Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX ( received XX/XX/2021 ), Equifax ( received XX/XX/2021 ), and XXXX  ( received XX/XX/2021 ) about accounts on my credit over XXXX plus days ago and have not recieved any information. 

I have attached screenshots of the tracking numbers and dates when the mail was received through the XXXX ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.
Consumer complaint received 2021-08-14
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. (OH)

Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX  ( received XX/XX/2021 ), XXXX  ( received XX/XX/2021 ), and TransUnion ( received XX/XX/2021 ) about accounts on my credit over 30 plus days ago and have not recieved any information.

I have attached screenshots of the tracking numbers and dates when the mail was received through the USPS ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.
Consumer complaint received 2021-08-15
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. (LA)

XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Consumer complaint received 2021-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, we received notification that Mr Cooper will be servicing our mortgage. Our mortgage payment includes payments for property taxes and insurance which were kept in escrow. On XX/XX/XXXX we received a letter dated XX/XX/XXXX, from our insurance company that our insurance lapsed for non payment. To reinstate our insurance on our home, our insurance rate was increased. 
We called Mr Cooper to asked why our insurance was not paid, when the insurance was to be paid from the escrow account which had a balance more than enough to cover our insurance payment. Was informed by someone in the insurance department that they were not responsible for our insurance payment but were only doing us a favor. Reminded the representative of Mr Cooper that our payment included the property taxes and insurance before Mr Cooper assumed servicing of our home loan. The response was that Mr Cooper had not received a bill from the insurance company and they can not do anything about payment if they had not received a bill. Mr Cooper sent no communication to us or the insurance company they had on file, about the payment that was due on XX/XX/XXXX for continued insurance coverage. 
Asked to have insurance payments removed from escrow, so that we would pay our insurance since Mr Cooper was too incompetent to ensure that our insurance was paid timely, and was told that we would have to first pay the insurance, send a declaration page to Mr Cooper, who will then determine if we qualify to have the insurance payments removed from escrow and may have to pay for any penalties that may arise from removing the insurance payment. I informed that representative that Mr Cooper already had our monies and had failed to keep up their end of the agreement. Mr Cooper was burdening us to find extra cash to pay our insurance. 
On XX/XX/XXXX, we received a letter date XX/XX/XXXX from Mr Cooper informing us that they plan to buy hazard insurance on our property which may be more expensive that what we can purchase and that we have to reimburse them for the insurance they bought. This is added burden to home owners by mortgage servicing companies like Mr Cooper and frankly smells like a scam to defraud vulnerable home owners. Our service agreement included paying for mortgage, property taxes and insurance, the extra payment being kept in escrow, Mr Cooper failed to keep their end of the agreement and now wants to further victimize us by having us pay for their incompetence. 
Mr Cooper should cover the cost of their own incompetence if they paid hazard insurance and they should cover the cost of increase insurance which we have incurred.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

regions bank again holding pending charges causing od im opted out of any all od srevices seems they try to hold charges pending way too long to try get accts in negative when customer is not opted in to any ads supposed reject purchases ect i think their needs to be ig internal investigation on their banking records to show how many others are being ignored opting out letting accts go in negative ry earn # # in fees ect i am XXXX live on very limited $ $ $ my it being on od means my first of month check not even get it be used up in od fees how many others are being done this way i am hoping you not just react my issues only but subpoena their records find out how many others being treated like this. in my opinion if found to be doing this many dont just fine then one fee fine then for each offense say you fine then XXXX XXXX for offense also fine XXXX more XXXX for each customer that was mistreated ill be reportig issues to other federal agencies to
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021, I got wellsfargo email said my account was closed do to unusual activity reset here, gave my personal info. I immediately called fraud department on my card and explained, they canceled my debit card and my account was fine, the next say! 
XX/XX/2021 I see my savings account went from {$4400.00} to negative {$110.00}, I went to the local bank that couldn't talk to me, even though I explained fraud, people are taking money out of my account as we speak, still couldn't help. I drove to other wellsfargo bank, they took me in changed my accounts, I got liflock, locked my credit with credit bureau, filld police report, everything I'm supposed to do. I got a letter saying they didn't feel responsible for the money. I feel they are responsible since I contacted them before and I never wire money and drain my savings account in one day negative {$110.00}, totally unusual activity for my account.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (SC)

NCB Management Services XXXX XXXX XXXX XXXX PA XXXX On XX/XX/2020 NCB Management Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$7600.00}. After further review I realized that the XXXX date on the account was inaccurate across all credit bureaus, which should not occur. I also realized other simple mistakes are reporting about this account. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
Consumer complaint received 2021-08-14
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. (TX)

I have disputed two inaccurate accounts with TransUnion that they are reporting and they have failed to do a proper investigation! The following 2 accounts are over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Recently I checked my credit report and noticed there are multiple billing errors under 15 U.S. code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I was informed by my mortgage company that information contained in my report shows that I am deceased as of XX/XX/2018, When I called Experian to get this resolved I was told that I had to prove that I was alive and that I am who I say I am, I provided them with all the information for verification that was asked for and I was told that it would take a week for them to get the information that I provided to investigate and then it would take another week to have the information removed and the report updated, This is unacceptable as they ( Experian ) reported me as deceased without investigation nor verification which has placed me in a very bad position as I am within the home buying process,
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Case # XXXX Re : Account XXXX XXXX XXXX XXXX Dear Sir, Thanks you for your letter dated XX/XX/XXXX but I do not agree with the amount of your credit. 

I have 2 loans with B of A and by XX/XX/2021 {$2800.00} was due for the purchases and this was paid prior to that date therefore the only debt that remained was for the Direct Deposit of {$4400.00} at 1.99 %. 

My TOTAL monthly interest charge in XXXX should not exceed the monthly interest rate of 1.99 % for the {$4400.00} owed which would be less than {$8.00}. 

I would appreciate it very much if you would credit my account with the proper amount. 

Cordially yours, XXXX XXXX