davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back. 

I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work. 

No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-25
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: AMERICAN EXPRESS COMPANY (IN)

I applied the American Express skymiles credit card in XX/XX/XXXX. But i didnt received it. After waiting, I called they mailed agin, then I still didnt received. Then I called again, finally I got the card at XX/XX/XXXX. But it pass the time of three moths limits that I can get my rewards. They tell me I couldnt get the points for it passed three months. But it is American Express fault not mail it right. Why should I not received the rewards.
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (AL)

Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2019-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

In XX/XX/XXXX I requested and was promised a VA mortgage payment of {$2200.00} monthly by XXXX XXXX XXXX ( XXXX ) out of XXXX, NY. This included taxes and insurance. I was told the taxes would be around {$14000.00} a year. The insurance would be around {$2500.00} a year. These numbers were estimates but proved to be accurate. 

The house cost {$310000.00}. We borrowed {$330000.00} with {$20000.00} down payment. The house was damaged in super storm XXXX, the lower level needed extensive work. The house had no heat or hot water. No washer/dryer. The lower level had no walls, floors or electricity. The lender ( XXXX ) requested access to the house to hide the damage and was given permission. They said the VA might want to inspect the house and would deny the loan if they saw damage. They covered the walls with paneling and the floors with linoleum. It looked okay. They wanted me to pay for this. 

After extensive background checks we closed on XX/XX/XXXX. At the closing we were told the VA loan was denied and we were offered an FHA loan for $ XXXX monthly payment. No warning of the change was provided. We accepted this loan under protest. The additional {$300.00} would be hard for me to pay. I immediately began working on the house. After 7 months and {$40000.00} more invested we moved in. 

Almost one year to the day I was called by Freedom Mortgage ( they acquired XXXX XXXX XXXX after my closing ) and was told there was some miscalculations with my loan and my monthly payments were going to be raised to {$3300.00} per month. An {$800.00} increase. There was nothing they could do. I was destroyed. I could never afford that payment. I would have never been approved for that payment. 

I tried calling my mortgage broker, XXXX, she was let go after the takeover by Freedom Mortgage. Since that phone call from Freedom Mortgage in XX/XX/XXXX, I have been  fighting to stay in this house. I have worked with 3 different law firms. I am currently in a financial assistance program with Freedom Mortgage. They told me last month my request is denied. They want me out. My next/last court date is scheduled for XX/XX/XXXX. See attached. 

After going back and reviewing the closing documents, I discovered the taxes were estimated at {$300.00} per month. See attached 1st payment due has taxes and insurance estimated. That is wrong. I believe they were intentionally lowered to get me approved. After one year they were corrected to {$1200.00} per month. That is the {$800.00} increase that I could never afford. They did this to me knowingly. 

They say they have no record of my closing or my first year payments. I have provided them documents to support this and they still say no. They don't believe me. I have attached my 1st 3 payments. I made this exact payment for one year until the mortgage was increased to {$3300.00} After that I could not afford the increase. Please help me.
Consumer complaint received 2019-08-25
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. (NC)

XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.
Consumer complaint received 2019-08-25
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: Exeter Finance, LLC. (NC)

Exeter Finance refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also Exeter refused to send legal copies showing the amount they received after the sale Exeter has not provide copies of the legal notices for anything.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have XXXX credit line on my Capital One Savor card. I made a payment that was process on XX/XX/XXXX. It is now XX/XX/XXXX and i still do not have the available credit reflecting $ 500+ that was that was recently paid via deduction out of my bank account 4 days prior. I called the company and rep XXXX said we need to confirm with the bank the are close. I pleaded that all my accounts are in good standings. O balances never had a late payment or a rejected payment. Ive been a cutomer for over 6 years so why is there a hold on my account. All i get is " because its a new card '' my 5th capitla one cpital one card btw. I said you guys process the payment on your end as well. Why is my available credit on hold? Asked to speak with a manager -- XXXX XXXX Have no idea what customer service is all about. I want to cancel all of my credit cards with them over this. If i csnt get my available credit today im cancelling all services with Capital One
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

COMENITYBANK/VICTORIASSECRET They all of a sudden closed my account and now it shows as a derogatory mark. I have worked extremely hard to get my credit to good and excellent. There was no reason to close me. I have not used the card in a few years and there has not been a balance so I don't understand why it was closed. No explanation, just closed. And now it goes against my credit ; this is not right.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

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 2019-08-25
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. (FL)

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. XXXX XXXX XXXX  XXXX {$200.00} 2. XXXX XXXX XXXX XXXX {$840.00} Sincerely, XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase at XXXX XXXX XXXX online on XX/XX/XXXX for {$950.00} and another on XX/XX/XXXX for {$760.00}. I was billed for {$950.00} and attempted to pay this through the telephone automated system on XX/XX/XXXX. The automated call said " thank you for your payment '' and I assumed all was well until I received a letter in the mail that the payment did not go through. I followed up the letter with a phone call to XXXX XXXX on XX/XX/XXXX and spoke to a human who took my debit card information and assured me that I now had a zero balance for all purchases made to date including finance and late charges. On XX/XX/XXXX I received a phone call from XXXX XXXX The gentleman told me XXXX XXXX XXXX actually owes me money because I have a credit for {$2600.00} and I know I did not purchase that amount of merchandise. He said I had to contact Customer Care during regular business hours. I called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to straighten this out. The XXXX women I spoke to did not have any record of a {$2600.00} credit but they said I now owe {$800.00} for the XX/XX/XXXX purchase plus late fees and finance charges on that bill which I never received AND I was told on XX/XX/XXXX that I was at a XXXX balance for all purchases made to date. I asked if I paid this bill will I have a XXXX balance and she said yes. Again, incorrect as she did not mention a {$2.00} purchase I made last week. More late fees and finance charges would have been added to that. It seems to be their policy to ensure there is always a lingering charge the consumer is not made aware of so they can continue to add finance charges and late fees.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my Equifax credit report in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. ) Additionally I respectfully request an investigation of XXXX account XXXX, and Inquires : " XXXX '' dated XXXXon Equifax report and XXXX dated XX/XX/XXXX on my Equifax profile. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX XXXX is my Accounts ] ], Thank you again, Be Well ....
Consumer complaint received 2022-05-03
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. (CA)

I have checked my credit report when house shopping and realized there are items that do not belong to me. My information is not correct and appears to be somebody else 's as I have never had any associations with addresses and names showing on my report. have accounts on it associated with another person that seems to be fraud.
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (AL)

Creditor : XXXX XXXX  Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, 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 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 age can not furnish a account without my written instructions.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased an used car at XXXX  XXXX and was approved for the loan through capital one with a 18 percent interest which is understandably high but when i first made my payments with this lender my interest seem to be applied correctly on my first loan and when i called to make the payment i heard the representative state to her co worker that the interest was applied incorrectly and she need to get my account to an account manager to fix that error since that day all my payments has been only applied to my interest instead of my principal in which i believe the statement she made was a deceptive statement. i called uncountable times to fix this issue and capital one can not give no explaination i called XX/XX/18 and was told basically a repeated verbatim script and i need corporate to throughly investigate this matter
Consumer complaint received 2019-08-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC (SC)

I havent work since XX/XX/2017. I was recently awarded XXXX but still unable to pay the medical bills that are due because of my illness. The money that I receive every month all go on medication because I loss my job in 2017 due to my medical history. With all the medical bill that I owe, I still cant pay and because of that it 9s messing up my credit. I have insurance for 6 months which end in XXXX, but every visit I have with my doctors they are not paying anything on my medical bills. So, after all my medication and my visit at the mental clinic takes up the money that I get monthly. I am will to pay each medical bill that I owe {$50.00} dollars a piece to take it off my credit report. It is messing up my credit big time. 
Thank you
Consumer complaint received 2019-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

JC Pennys reported to the credit reporting company 's my account was 3 month late cause 50 point drop in my score my jc pennys account is paid in full XXXX,, nor did I do anything to stop payment at XXXX XXXX is not my account why jc pennys paid for it for and account that's minds not sure why, I requested a payment history to date nothing the account don't apply to me nor minds JC Pennys are XXXX nor was I notified of no payment for three months its not my account either one