davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

We had a promotional 0 % interest rate on a balance for 24 months. Our last promotional payment will be paid soon. Throughout all this time, there were times that I bought other non-promotional items and we paid the amount due on these items and the XXXX payment plus more to make sure we didn't get any fees. 

Up until this monthly statement, everything worked as we expected. This month they charged us a minimum interest charge of {$2.00}. I spoke to 2 people at the CC Company ( JCPenney XXXX ). First I spoke to XXXX who couldn't waive the fee. I asked for someone who could and was transferred to XXXX. She said that even though we paid the amount due plus more, we hadn't contacted them to tell them how we wanted the payment allocated so the balance of non-promotional items was carried over ( even though it didn't show as being carried over and this had never happened before. ) She did take care of the charge and re-allocated our previous balance. 

I just want to make a formal complaint against this process, which, by the way, is not stated anywhere that I can find on the statement. I'm sure they have done this to others who probably either didn't notice or just paid it since it is a small amount. Imagine $ XXXX times how many customers. 

I intend to cancel the card and stop shopping at JCPenney, but I want to make sure that someone investigates this and makes sure it doesn't happen to anyone else or with any other card.
Consumer complaint received 2018-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (VA)

In XX/XX/XXXX I mailed in my mortgage payment to Pacific Union Financial. On he check I entered the correct numeric numbers XXXX but when written out I inadvertanly wrote out 'XXXX XXXX XXXX and XXXX cents ' instead of 'XXXX XXXX XXXX XXXX XXXX and XXXX cents '. The check was cashed by Pacific Union Financial but only for {$3000.00}. I never received a phone call letting me know of the error. I have had this mortgage since early XX/XX/2015 and never had a late payment. A letter was sent but arrived it arrived in XX/XX/XXXX and I did send in the difference immediately. 

I now discover that PUF has indicated a 30 day late on my mortgage to all 3 credit bureaus. This is causing me to be declined for another credit transaction. I spoke to the office of PUF 2 times and was told that the late payment will never be removed no matter who I speak to. In reality the principal and interest were paid on time the shortage was really only the portion for the escrow account and no disbursements were made or was the escrow account short. 

I am asking that PUF provide a letter that the mortgage has always been paid as agreed and the mortgage late as indicated for XX/XX/XXXX be removed
Consumer complaint received 2022-03-13
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)

Ive contacted TransUnion about the XXXX XXXX Account number : XXXX that was added to my report with out the it being verified I submitted my first complaint in here on XX/XX/2022 it is complaint number XXXX another complaint on XX/XX/2022 where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. TransUnion has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. 
I want documentation as to why and when account # XXXX was removed from my report!
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX  & XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX  has done as well as Experian and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with Experian XX/XX/XXXX pending investigation.
Consumer complaint received 2018-10-29
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: Fidelity National Information Services, Inc. (FNIS) (TX)

inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XX/XX/XXXXXX/XX/XXXX -XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX. I process AMEX cards for my business. I have a customer that made two separate payments to XXXX XXXX XXXX XXXX for {$14000.00} on XX/XX/18 and XX/XX/18 for {$4700.00}. The customers requested a refund from AMEX for the {$4700.00} which XXXX XXXX XXXX disputed with a signed copy of the sales proposal and other information and AMEX denied XXXX XXXX XXXX rebuttal. AMEX then processed a chargeback for the {$14000.00} prior to our ability to dispute. The 2nd dispute was processed even though the notification states the customer can not request a dispute for items older then 120 days old. I have called AMEX nearly every day and never been able to speak to anyone other then their processing with XXXX. Several XXXX staff members and even a supervisor have stated that with our signed contract and information provided that the chargebacks should be reversed. I can provide all documentation needed. My best contact at XXXX is XXXX in Dispute Resolutions. Knowing that AMEX processors agree with our documentation, we put a stop payment on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future payments processed through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment. The contract proposal that was received by their customers had direct detailed descriptions and links to the customer products received and installed in the XXXX home.
Consumer complaint received 2018-10-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have call them multiple times trying to get on lower repayment they say I've exhausted everything I can't even get them forgiven or removed as XXXX XXXX has gone bankrupt I can't use my degree because of that financially I'm struggling hive gone from the possibility of working in a good career to working retail or food service for minimum wage hours are constantly being caught I'm struggling with my own debts and bills and it's tough making ends meet their inflexible I've had to cuss them out to get anywhere I've had to threaten them with lawsuits or things like that I just want some debt relief I don't wan na be having to pay these for the next 8years as im barley getting by.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

My home mortgage was transferred from Cardinal Financial to XXXX with absolutely no notification, instructions, or any form of communication whatsoever. 

I just started receiving suspicious letters from XXXX saying I had a banking account with them and needed to send them all of my personal sensitive data to finish setup of my account, which I didn't set up and had no knowledge of. 

I called XXXX, but my call kept getting dropped, by XXXX 's customer service center, to the point that I couldn't talk long enough with a representative to make any progress on assessing whether these suspicious XXXX letters were legitimate or a phishing scam. 

I checked the loan activity in my Cardinal account and saw that the most recent entry indicated a loan balance of XXXX, and also indicated the loan was removed due to release. I have received NO notification of this. 

I have no idea what is going on, if the loan has been legitimately transferred, if I should keep paying to the same place, if I need to pay through a new service, if my loan will be overdue if I don't pay to the correct institution ( if it has in fact been transferred ), etc. 

All I can ascertain is that a huge debt that is in my name and for which I am responsible for, has disappeared from the account where I've been able to access and service it. 

I've already wasted too many hours of my life trying to run this problem down with big institutions that don't seem to be even remotely concerned. Though, the second my payment is late, then they'll be concerned. 

I've worked very hard, been very responsible, and upheld my end of the mortgage agreement, only to have Cardinal and XXXX fall very short on their end. 

Cardinal and XXXX, shame.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX .I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (LA)

I filed a complaint on XXXX XXXX, XXXX XXXX, and XXXX XXXX and the NFCU refused to issue a provisional credit to my account when I filed a fraud claim against XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

I bought a Mobile home on XX/XX/XXXX with a mortgage loan from Greentree. I have paid my loan every month since, always early or on time. ditech assumed the loan from my old mortgage company. I continued to pay early or on time. The loan is an 8 % simple interest loan so I pay the loan on the XXXX of the month instead of the XXXX of the month when it is due for a potential interest savings. I was even paying an extra {$200.00} a month towards principal for a while until ditech started posting payments wrong and I noticed a big fluctuation in the amount of payment that went to interest. Since XX/XX/XXXX, there has been a continually problem with posting my proper payment to my account. I repeatedly have to call to get it straightened out because they post it to the principal or interest and not the monthly payment. It takes repeated phone calls with assurances that it is fixed and then it happens again in a month or two. Since the problem is still happening in XX/XX/XXXX, I now write down when I call and who I talk to. I called XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX. I was assured the problem was fixed, notes made to the account and safeguards put in place that my payment would only be applied to the next due payment. This did not happen. I have been turned over to collections twice for overdue payments and receive a call today ( XX/XX/XXXX ) from XXXX notifying me they are a debt collector for ditech. That would be fine but I have never been even late on a payment, much less missed one. I pulled up my account on-line with ditech and see the payment they received on XX/XX/XXXX went entirely towards interest and they are showing no other received payments. The reality is the XX/XX/XXXX payment was for XX/XX/XXXX and should have been posted so. My XX/XX/XXXX payment went out on XX/XX/XXXX and they will receive it on or about XX/XX/XXXX. My interest rate in XX/XX/XXXX was {$150.00}, in XX/XX/XXXX it was {$440.00}, and in XX/XX/XXXX it was {$500.00}. These are the things I have called about and fought to get fixed. The interest rate is always dramatically different when it is a simple interest loan and I pay the same day of the month. Should n't it be close to the same amount each month? I have wasted countless hours on the phone straightening out this mess on a repeated basis and it just happens again. Customer service tells you it is fix but it never is and fight with you when you want to talk with a supervisor. No consumer should have to be subject to this type of treatment from a loan company, much less a customer that pays on time.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy 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 2018-10-29
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am A VICTIM OF IDENTITY FRAUD, My information was used to open accounts fraudulently without my consent or authorization. Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting them to remove its fraudulent account from my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent account, with required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company responded by saying the account I had disputed was no longer in the file but its still there, and even confirmed that the account belonged to me. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : BANK OF AMERICA Account Number : XXXX, Opened Date XX/XX/XXXX, Balance {$20000.00} Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 I received a call regarding A XXXX Credit Card with Capital One. The fact that I didn't verify any other personal information besides my name. The caller kept telling me to settle this matter. The caller told me that I was the one who went into the store and took the merchandise. I told him I was feeling harassed and preferred to be contacted by mail and he continued on. The caller called me from XXXX.
Consumer complaint received 2023-04-01
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. (MI)

I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me
Consumer complaint received 2023-03-21
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. (GA)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (MO)

TransUnion LLC decided to reinsert a negative item on my consumer report that was a result in identity theft. However, they fail to provide the Additional Information the creditor sent in order to verify the accurate of such item, under 15 U.S.C 1681i. Also contact the consumer within 5 days of reinsertion of an item once deleted. 

I received this letter on XXXX/XXXX/XXXX for deleted & reinserted on XXXX/XXXXXXXX. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

How was a fraudulent account verified? What investigation did TransUnion do?
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, Capital 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 an account without my written instructions