davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (PA)

n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

My wife and I have multiple XXXX XXXX Accounts with Synchrony bank. We have a flawless payment history with them as well. They are have started repeatedly reducing out credit lines therein increasing our total usage percentage on our reports which results in a lowered credit score. We pay everyone on time and have a flawless credit history. Synchrony banks practices, without cause have been the number one reason we have seen reductions in our credit scores and they continue to do this and then use the reductions they caused to our credit scores as the reason to then do it again. This is absolutely ridiculous to people who pay every bill on time. Furthermore, the " algorithms '' that this bank and reporting agencies use are clearly designed to set up the consumer for failure. This is so unfair to people who pay ALL of their bills on time. After all, isn't that what credit is all about???? We ask that Synchrony bank restore our credit lines to their highest limits and Stop this ridiculous practice.
Consumer complaint received 2017-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I sent a proof a validation letter to company requesting a signed contract, I got no response. I do. Or have a signed contract with credit control corporation. I also sent a fax letter to them stating they are violating my rights under the HIPPA law.
Consumer complaint received 2022-04-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc. (NY)

On XX/XX/XXXX nearly a month after a forbearance was expired on the alleged mortgage, I requested a debt validation and verification from Caliber Home Loans Inc. I did so because Caliber never sent an invoice or statement regarding the detail of the alleged mortgage. Also, I request twice over the phone for a loan modification package. Caliber never sent any correspondence regarding payments until I requested a debt validation by certify record and to receive a response by certified records with 30 days of the letter date. I received the documents days past the 30 days. When I received the " debt validation '' I noticed that Caliber Home Loans Inc, did not supply all the required documents. Caliber Home Loans Inc sometimes stated that he is attempting to collect a debt, but they acted as lender in certain communication letters. They never sent a statement/invoice detailing the monthly amount to be paid. I never received a statement/invoice from Caliber Home Loans. Caliber Home Loans sent me a Notice of Default letter dated XX/XX/XXXX threatening to foreclose. In that letter they have not provided all important information such as all the information regarding the creditor, they listed the originating creditor as XXXX  and much more. Furthermore, In the notice of sale dated XX/XX/XXXX Caliber Home Loans did not provide the amount of the debt and statements that I can request validation of the debt within 30 days of receiving this Notice of Sale letter, which is a violation for 15 U.S.C. 1692g ( a ) ( 1 ) and 1692g ( a ) ( 3 ), and many more. I believe that Caliber Home Loans is attempting to collect my personal information from me in order to force me into a contract with them. I observed many inconsistencies/frauds in my inquiries into this alleged debt. Caliber Home Loans have or will be aware of some of the inconsistencies/fraud. There are inconsistencies in the commutations by Caliber Home Loans as well as the alleged mortgage assignment filed in the county clerk.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account # XXXX and Tennessee Department of XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 


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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-14
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX # 1958, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX # XXXX ) Account ( XXXX # XXXX ) Account ( XXXX 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 2022-04-14
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. (NC)

I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX TransUnion dropped my credit score by XXXX for simply adding one credit card to my name. No other credit reporting agencies did that. XXXX points is a very damaging point drop affecting everything g from me getting a job, a car or a place to live
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (PA)

I ordered a XXXX XXXX through XXXX  at a significantly inflated cost on XX/XX/21 ( order # XXXX ). On XX/XX/21 it was reported " delivered '' by XXXX  at XXXX ( tracking # XXXX XXXX. My family was out front at the time of the reported delivery, as were my neighbors, no sign of a XXXX  truck ; XXXX did not opt to require a signature. I reported this to XXXX, XXXX and XXXX that day ( 2 deliveries from 2 different retailers were never delivered ). XXXX has no customer contact phone #, only chat and email support. XXXX investigated and multiple reps have explained the package was likely " misdelivered '' and that it has been escalated to " Security ''. I have informed XXXX  of all this since XX/XX/21 and to date, they have refused to file a lost package claim. I took out a loan through Affirm for the XXXX I ordered ( among XXXX 's payment options on their site ) ; they claim if a lost package claim is not completed by the retailer I may not receive a refund, and that it is entirely up to the retailer. I filed a police report on or about XX/XX/21 with my local XXXX Police dept. ( report # XXXX, XXXX, https : //XXXX, XXXX ) as this was requested by XXXX  " in order to file a claim ''. The officer came to my home and took my information and advised he could not provide a copy of the police report itself as no police dept can do that without a subpeona. I have since informed XXXX of this on several occasions, and they have repeatedly ( through email and chat ) advised they can not start a claim. Later the officer reported to me he had checked with several of my neighbors with cameras on my street and there was no sign of the XXXX  delivery vehicle at or near the time of the reported delivery. I have informed all parties of this several times. XXXX  almost immediately filed a lost package claim and even shipped me a replacement. I have talked numerous times with helpful folks at XXXX, at the local terminal, in their ground trace dept., and with corporate customer service. Almost all have advised to have the retailer file a lost package claim, and several have shared they acknowledge the package was " likely misdelivered ''. XXXX at this point has repeatedly requested a copy of the police report I have repeatedly advised I can not provide ( due to the police restriction ), but I have provided them all the details I have and they refuse to act to file a lost package claim. This seems to be a tactic to negate responsibility. As such, I am still on the hook for a substantial loan for an item I have not received. XXXX has no reasonable means to contact them and repeatedly shuffles the same responses despite my pleas. Affirm likewise is content to negate any responsibility by making the decision as to the outcome of my claim/dispute solely up to a retailer that deals in elicit goods gathered via a network of scalpers that is unwilling, entirely, to simply submit a lost package claim for a customer when the item was so clearly stolen.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (NH)

Contacted by the company debt collections multiple times. Each time I ask for a way to setup a payment plan or for them to work with my debt management company to help to get on a payment schedule or to send it to outside collections so I can work with someone and they refuse. I was told that they only provide payment plans or hardship assistance to open accounts because the account it closed I am unable to get any sort of hardship assistance program that they have within their organization. By not allowing me access to their internal hardship programs, not working with my debt management organization to create a debt management plan, and not send it to an outside agency for collections they are continuing to just take XXXX XXXX interested each month and pile it on knowing I can not pay it. Its unfair to force someone who is now on XXXX to end up with bad credit because they refuse to work with their own customer and instead gouge them charging interest on interest while they are unable to pay.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a follow up complaint to previous complaint XXXX submitted to the CFPB on XX/XX/XXXX, because today I incurred damages including a fee and service disruption, as well as having to use costly phone data to log in, and time lost due to phone calls to XXXX to find out why, all as a result of Capital One 's fraudulent XXXX online bill payment service. 

Spectrum did not receive my XX/XX/XXXX payment from XXXX until XX/XX/XXXX, and I had to pay that by debit card on XX/XX/XXXX to avoid a late fee, but XXXX had already taken the funds out of my account for the improperly issued payment. 

CapitalOne reimbursed me within 10 days for having to pay this bill TWICE due to bill payment failure to issue the payment correctly or on time. 

But today XX/XX/XXXX, my cable was disconnected because XXXX assessed a {$25.00} fee to be paid for stop payment of the duplicate funds. 

CapitalOne and/or XXXX have committed false, misleading, or deceptive acts or practices including, but is not limited to, the following acts : ( 1 ) passing off goods or services as those of another ; ( 2 ) causing confusion or misunderstanding as to the source, sponsorship, approval, or certification of goods or services ; ( 3 ) causing confusion or misunderstanding as to affiliation, connection, or association with, or certification by, another ; ( 5 ) representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities which they do not have or that a person has a sponsorship, approval, status, affiliation, or connection which the person does not; and ( 7 ) representing that goods or services are of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another ;
Consumer complaint received 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: KEYCORP (CA)

Hello i want to document a business practice that i think is extremely unethical. We purchased a home in XX/XX/XXXX with a mortgage from KeyBank that included monthly funds for property taxes. After the first year, KeyBank raised the monthly mortgage price XXXX to accommodate for higher than expected property taxes and specifically both a new monthly amount PLUS a monthly " catch up fee '' for 12 months since they undercharged. The County 's property tax rate did not significantly change and they knew how much the house was being purchased for and what local bonds we would be responsible for paying into because of where we lived ; however, they completely " low balled '' the costs. We would NOT have purchased the house if we knew the mortgage was going to be the current amount in only one year and see no reason why a " prestigious '' bank like KeyBank couldn't estimate this amount much closer than they did given all the information ( ie , County property tax rates and sale price of home ) were known. We think it's completely unreasonable to increase the monthly costs this amount and since this is KeyBanks mistake, we believe they should be responsible for this difference or at least part of it like paying for the " 12 month catch up fee ''. The difference in mortgage costs can be seen between the XX/XX/XXXX and XX/XX/XXXX statements attached.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

I was a customer of Chase Bank for over 20 years with a great history of payments, etc. After I submitted a complaint due to their illegal fees to the CFPB they closed my account. They also charged an annual southwest membership fee and I no longer have access to it. I paid for the service and would like a refund.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have owned my home since 2014 and the mortgage has been paid in full. Experian, XXXX and XXXX is still reporting on my credit report a balance from of XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX XXXX.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$18000.00}.
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have recently contacted company to get late payments removed from this account. The account is an Ex-boyfriends and due to his pride he did not reach out to me for help when I wouldve been more than happy to help. Credit Acceptance did not reach out either when all my contact information was provided. I reached out to Credit Acceptance on more than one occasion to get a paper mailed to me to ask them to remove it and was never sent that letter. The lady also stated that it should be removed because of the lack of communication on their side.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card. 

I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full. 

Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly. 

I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty.

I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account.

I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.
Consumer complaint received 2022-04-14
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: NAVY FEDERAL CREDIT UNION (NC)

I have a auto loan for a car with Navy Federal. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my Navy Federal Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

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

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