davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting 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)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

On my XXXX XXXX XXXX XXXX  Card ending in XXXX My statement date XX/XX/2023 there is an interest charge that is at an illegal rate and Usurious Interest rate is charged. ( Statement attached as proof ) My Account Balance after payment is posted is {$200.00}. 

Proper interest would have only been ~ {$3.00} approx. I was wrongfully charged nearly {$8.00} Nearly 60 % APR of interest!! 

Even though the interest rate is already quite excessive at ~30 % I was charged Double the rate disclosed and the rate in my card member agreement. For a person with a score over 720 this 30 % rate is both abusive and unwarranted. Never the less, charging double that 300 % rate is both in violation of the rate promised and disclosed and is in violation of Usury laws in this country. 

Then when I called Synchrony to dispute the charge, the first manager hung up the phone on me refusing to even address the issue. 

Then I called back and MULTIPLE Synchrony Reps used Unfair & Deceptive Business Practices delaying my call for over an hour, Deliberately & deceptively transferring me 4-times to the wrong extension and completely inappropriate Synchrony group so they could not claim to handle my call! After nearly 2-Hours I finally got to a manager named XXXX who deliberately misquoted the nature and basis of my dispute so he could wrongfully deny it and then refused to take the dispute all together. Mass General Laws Chapter 93A is a consumer protection Law Violating the rights of consumers with the use of Unfair & Deceptive Business practices and entitled the consumer to Treble Damages when used. 

Fines, Penalty 's and damages must be levied against this unscrupulous lender.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

I received the offer information to apply for the Barclays ' XXXX Mastercard, which it clearly says " XXXX Introductory annual fee the first year, after that {$99.00} '', I got the offer and I was never told I needed to apply " inflight '', so I took the offer and signed up for the card online, thinking the offer was the same ( nobody explained that doing it online, the offer changed ). I got accepted for the card and soon as I received it I was charged for {$99.00} for the annual fee. I called Barclays costumer service, and is until then when they explained to me that the original offer it is only for people that apply inflight. I was told they couldn't help me in any other way than for me to pay the annual fee or to cancel my account. I feel I was completely tricked and I truly believe the company Barclays is giving misleading information to the applicants of the credit card XXXX. I canceled the credit card, because I don't think is fair the way that they made me sign for it, and now my credit score will be affected for the misleading information from Barclays Bank Delaware. I don't think is fair at all.
Consumer complaint received 2023-11-28
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I built our home and closed on our home in the end of 2018. They lender failed to provide us with accurate figures in the truth in lending disclosure as it relates to the estimated taxes on the home, and this has now caused a shortage in our escrow account, raising our mortgage payment by close to XXXX $ per month. While the shortage is accurate it is a result of them estimating our property taxes using an inaccurate figure at the time of closing. The land was valued at {$29000.00} by XXXX county GA the improvements to the land that were appraised prior to closing were {$290000.00}. Wells Fargo only estimated taxes for our escrow account baced on the valuation of the land ( XXXX ), not the land and then improvements as required. This resulted in them providing us an inaccurate estimated monthly payment when we did our mortgage. Now to make up for that shortage in escrow they expect us to pay an unreasonable amount additional per month. Had we been provided a more accurate in good faith estimate by the lender at the time of closing we could have had the opportunity to evaluate our finances or perhaps shopped around with other lenders. I spoke with the tax accessors at XXXX county today XXXX. Wells Fargo would not have given us a mortgage for XXXX if the land was only worth XXXX which they estimated our taxes for escrow on.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (ID)

My husband and I refinanced our home and closed on the property on XX/XX/XXXX. Our original lend was MidAmerica and they are a nightmare. We have not yet received our Escrow payment. MidAmerica will not answer phone calls or emails. It has been well over 20 days. 

Our new lender, XXXX XXXX, our title company, XXXX XXXX and myself have attempted many many times to contact anyone from MidAmerica to resolve this problem to no avail. We are either kept on hold for more then 2 hours or just not responded to by email or any other means of communication.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OK)

I used to have 2 account with Elan Financial however the accounts were sent to collections back in XX/XX/XXXX. I worked with a debt consolidation company who worked out an agreement to settle both accounts for me on XX/XX/XXXX. The payment was made however if you look at my credit report it shows that I have failed to pay the balance since XX/XX/XXXX even though the account was settled. I have the document showing that it was taken care of 2 years ago but it is still showing for all 3 credit companies.
Consumer complaint received 2018-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

on the XXXX of XX/XX/2018 i sold my bitcoin using coinbase and since them i have not been able to withdraw my funds. i have been lied to over the phone when i asked how to withdraw my money. i tried to link my account using XXXX payment where i uncured charges from my own bank account on the XXXX XXXX. i have still been unable to withdraw my funds,
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I submitted my PSLF Certification before the XX/XX/2022 deadline to take advantage of the PSLF Limited Waiver Program. Mohela calculated that I had a total of XXXX qualifying payments. Nevertheless, Mohela attached a letter sent via secure message stating I was " not eligible '' for forgiveness despite exceeding the threshold of XXXX qualifying payments. I do not know how many other consumers have received erroneous letters from Mohela. I believe these letters are deceptive under Federal law and request an investigation or examination into the matter.
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I have attempted to fix this situation with XXXX which they sold this fraudulent account to NCB Management Services, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 
4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 
6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and XXXX 's response was that they sent a letter of their investigation. No investigation happened though.
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-13
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a business and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX  XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding a company known as Capio Partners LLC. 
I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX  and XXXX  credit files. This is not my account and i want it removed from my XXXX  and XXXX Credit files permanently. 
Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX  HOSPITAL {$200.00} 0 % paid off XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2024-03-16
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. (VA)

You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-03-12
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. 
The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. 

In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. 

Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.