davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

I was able to get a manager to resolve my issue personally ( at least the most recent occurence ) ; however, I believe this is a much bigger issue.

Care Credit offers interest free financing on Vet purchases over {$200.00}. I have had an unusually sick dog and have used my Care Credit card often with the interest free financing. I have always paid my balances and stand in good credit with them. I noticed on my last 2 statements a Minimum Interest Charge of {$2.00}. I called to determine what that was. I was told that 3 statements ago I had a {$56.00} charge from the Vet and even though over the past 2 statements I have paid {$1300.00} my payments were not fully applied to the interest barring charge instead the majority of the payment went to the interest free balance. That does not seem fair to the consumer. I am not sure if there are guidelines for this is the industry, but I do not believe this happens with my other cards. The other companies like Lowe 's will apply your payment to the non-deferred interest charges first and then to the deferred interest portion. I assumed as an accountant this is how all companies would process the payments therefore I always made sure I paid the full non-deferred portion of my bill plus payments to the deferred balance. Little did I realize this is not how Synchrony Bank ( Care Credit ) applied their payments. Who knows how much interest I have been charged over the years that I did not catch. This time they were charging me {$2.00} on a balance of {$1.00} they had left on that piece of the bill. They told me if I know there is a non-deferred balance I would need to call to have my payment applied to that piece. I think this is very dishonest of them and deceptive to their customers. It is just wrong. I love the card and the benefits, but the ethics behind their payment application is wrong.
Consumer complaint received 2018-07-30
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. (IN)

3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX and XXXX XXXX is allowing anyone with a mortgage that they are backing to extend their forbearance and additional 3-6 months on top of the 12 months already granted. I have and the property meet all the requirement but Mr. Copper computer will not allow the extra forbearance. I have talked to Mr. Cooper 1-2 times every week starting on XX/XX/XXXX. The case has gone up the chain of command a few times and they tell me there is nothing they can do. Mr. Cooper says that it must be XXXX XXXX that is not allowing the forbearance. I started the process with XXXX XXXX on XX/XX/XXXX and they say they don't see any problems and to give them 10 days. XXXX XXXX also has a calls into Mr. Cooper and were told they need 10 days to review the account. So after 1 month I am still being told to wait while being reviewed but this will be the 3-4th time I am told under review and just wait. The forbearance expires XX/XX/XXXX but told to just wait even while the end of forbearance expires tomorrow.
Consumer complaint received 2021-09-21
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: The Best Service Co.,Inc (CA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was just informed that Bank of America has turned into the IRS a XXXX for {>= $1,000,000} in proceeds I received from my foreclosure. I didn't receive a dime. They said this is standard procedure. Are they crazy?
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

When I opened the account, terms stated that if I deposited XXXX and left it in account for 90 days, I would receive a {$300.00} bonus. Deposited XXXX in XX/XX/XXXX ... still no bonus. Called Citibank on week of XX/XX/XXXX. Was told an investigation would be opened and would hear back by end of week. Never heard back, still no {$300.00} bonus.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (FL)

Credit Karma has not contact number to dispute what they are reporting. XXXX  just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear XXXX, Equifax, XXXX I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, XXXXand I noticed an unauthorized credit inquiry had been made. I made a dispute and got a instant decision the Inquire was mine, I called all XXXX bearus and let them know it wasn't mine.I uploaded a example from Equifax I did a dispute on XX/XX/XXXX after hours and got a automatic denial on XX/XX/XXXX 1 minute later. These practices needs to be changed within the bearus. And all XXXX bearus said " All Inquires are always true and accurate '' When I called. 

*I uploaded what Inquires needs to be removed I request that you remove the Inquires from my credit report. 

Thank you for your assistance in this matter,
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I was a victim of a scam call on XX/XX/2023 from the number ( XXXX ) XXXX at XXXX, then at XXXX by someone named " XXXX XXXX XXXX XXXX who claimed to be an authority from a precinct. 

He told me that my name and social security number were involved in an identity theft. It was a very elaborate phone call, and I was even told not to disclose any of this information to any family member or close friends, and to stay in an enclosed room while listening to him. 

I was later instructed to download the XXXX messaging app, so that the " Social Security Office '' from number ( XXXX ) XXXX, can text me information on the wire transfers that I needed to make. 

The international wire transfer was completed at XXXX on XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ) in the amount of {$57000.00} + {$50.00} transfer fee. This happened while I was still on call with the scammer, and this amount was sent to the following recipient that I was instructed to send to : Recipient Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Chase wire tracking number : XXXX It was wired from my personal checking account at Chase. 

I sent a photo of the receipt and the front of my driver license to the " Attorney General Office '' on XXXX, as they instructed me to ( I later deleted the photos for both their end and mine, but this might have been too late already ; they might have already stored that information somewhere ). 

I realized it was a scam after almost completing a domestic wire transfer at Chase on XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX, the banker there, tried helping me dispute/recall the international transfer. 

I have already went to the original Chase branch to continue following up on the recall and case # that I was provided with. I have done everything from sending secure messages through my Chase account online to in-person follow-ups to filing a police report at the precinct. However, the back-end Chase representatives were very inadequate at combating this fraud/scam case, and I can't imagine how much worse it is for the more vulnerable and elderly individuals who get their retirement funds/life savings, and funds from the death of loved ones away. 

I highly hope this complaint will lead to actions that yield actual results. 

Thank you, XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Violation 15 US Code 1681i - Procedure in case of disputed accuracy. 
TransUnion was unable to provide a description of the procedure used to determine the accuracy and completeness of the information. 
See all evidence and letters from TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX violating my right under Section 1681i. 

Certified Mail : XXXX ( DATED XX/XX/XXXX ) To : Unable to Verify and Complete Investigation in 90 days I requested a full reinvestigation of the following accounts on XX/XX/XXXX and never receive a formal response from TRANSUNION with documents and procedures proving this accounts are accurate. As per my right under Section 1681i, your company is in violation of the Fair Credit Reporting Act, and 15 U.S Code 1681s-2, 15 U.S Code 1681b.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BMO Bank, N.A. (IN)

So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017. 
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-01
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. (TN)

XXXX, XXXX  and Equifax will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
Consumer complaint received 2018-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, Transunion and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
Consumer complaint received 2022-05-03
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. (OH)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (OH)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXXhas 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 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

12 CFR 706.3 - Unfair or deceptive cosigner practices. 
The fact that I was deliberately or mistakenly placed on this loan as the primary borrow, by the underwriter, means no proper disclosure was provided to me at the time of refinancing this mortgage. I should have not qualified to be Cosigner, since I was not on title had no legal interest in the property. Secondly, I had no legal binding relationship with the owner : no kids, no marriage, no distance relative, never reside at said property. I own owned my own homestead residence and still do. 
Today I am otherwise married for 8 years and has no relationship with the said owner of the property, I have no access to the property as it's located in a gated community, I do not know who resides on the property. 
I have no other blemish on my credit, but it is unrealistic to expect anyone to pay monthly mortgage payments of over {$2200.00} per month to prevent their credit from being ruin. 
Again, I was not given the proper disclosure since I was placed on the loan as the primary borrower.
Consumer complaint received 2018-10-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC (FL)

This Advosors Mortgage Group it look like is not real. By mistake I applied with them for refinance my house and I received a small thank you card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX... Inside the envelop is a little bussiness card from Advisors Mortgage group XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX NMLB # BRANCH XXXX NWLS # XXXX A+ Rating with the XXXX XXXX XXXX ... 

My personal bank account was hacked 3 times after the comunication with this people. 

I am not sure if this people they are involve too but my responsibility is report this type of issues..
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (TX)

Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Resolution Group, LLC (FL)

Company is currently using an auto dialer with a recording message that i am currently under investigation for my assets.

This is a blatant violation of FDCPA also TCPA for method of contact being that i did not consent to be contacted via auto dialer Furthermore there numerous complaints on the web for there tactics to intimidate consumers with is un just and-needs to be rectified
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates bought my account from XXXXXXXX XXXX and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXhas 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