davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (LA)

On XX/XX/2023 my account got hacked for XXXX dollars from a scam company pretending to be Chime Banking which is the bank I deal with after going through the process my money was gone i immediately call Chime the real Chime telling them what happened I filed a dispute for my XXXX dollars the representative told me it would take XXXX calendar days for a decision a few days later I get a email telling me it was no error occurred so no funds will be credited back to my account I contacted Chime again the representative filed a robuttal if XXXX spelling it correctly that was Denied a few days later filed another XXXX on Monday XXXX it was denied this morning I just need some help in getting my money back
Consumer complaint received 2021-06-10
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: SYNCHRONY FINANCIAL (MI)

I have a taken a loan of {$4000.00} from care credit.They were promotin 0.0 % Apr for 12 months then 29.00 %. 
I paid {$3100.00} in the 12 months.The remaining balance was $ XXXX.I thought i will be charged 29.00 % APR on remaining balance. 
I was surprised to see the bill of {$1900.00} in the next month.Then when i looked at the fine terms it was said they charge interset on whole balance after 12 month term. 

I have other credit cards all of them charge APR on remaining balance. 

i think it is unethical banking.Please help me
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WV)

My name is XXXX XXXX. I am writing about a problem my wife and I recently had with Syncrony Bank thru a Walmart credit account. The account is in my wifes name XXXX XXXX. The issue we are having is a payment of XXXX dollar was deducted from our joint banking with XXXX XXXX. In XX/XX/XXXX we made a agreement with Walmart collections to make a monthly payment in the amount of XXXX and we have paid that amount since by recurring payment without incident until now. On XX/XX/XXXX I became aware XXXX XXXX  released a ACH payment to them in the amount of XXXX. My wife and I both spoke with Syncrony Reps regarding why they withdrew a additional amount and we are not satisfied with the answers they gave because none of them make since. 
Also, we had stop payment reviews set up by XXXX XXXX and I can not understand why they released the funds in the first place without notifying either my wife or me. 
In closing, we would like our payment deposited back into our account because neither one of us authorized a additional payment of XXXX be released from our checking account. ThankYou!
Consumer complaint received 2022-10-26
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2022-10-26
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. (TN)

XXXX. XXXX and Experian is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank is staying I took out a loan, and I have not, nor do I have an account with them. I am a beneficiary on my husband account, not a signer on this account.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Account was closed many years ago. I paid for as long as I could and then due to a family medical emergency we were unable to continue payments. Im 2020 the account was finally charged off and my ex husband and I paid taxes on the charged off amount because it is considered income. Now two years later I received another form from Bank of America that was reported to the government that said once again I had to pay taxes on another charge off of over XXXX. In turn not only did I not receive a tax refund for last year but I myself ( because I am divorced now since XXXX of 2020 ) had to pay the government over XXXX. I am very confused and am unable to get anyone at BOA to help me resolve my issues. I feel as if they have cheated me not once but twice. I also do not understand why none of this shows up on my credit report as well. I am also unable to access my accounts from them, not just this credit card but the mortgage account we had linked to it at that time as well.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with transunion and XXXX  both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX site says to go to the transunion site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the XXXX and XXXX tax systems. Please let me know how to move forward. thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (NV)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. Validate account XXXX XXXX Account XXXX : XXXX Please rmeove it from my credit report XXXX. Validate account XXXX XXXX XXXX Account Number : XXXX Please rmeove it from my credit report 3 The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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. (FL)

I did not have a car with this company at all. Placed called in XXXX in months prior to get info to no avail. At one point I was told I did not have an account. Another time something completely different. Never had vehicle
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

Hello, Our mortgage company Ditech transferred our loan to XXXX XXXX XXXX in XX/XX/2018.We received the letter from Ditech in XX/XX/XXXX, but did not receive one from XXXX XXXX until 3rd week of XX/XX/XXXX, we had an address but no account number or other information.On XX/XX/XXXX we paid Ditech through our credit union bill pay, which was received on XX/XX/XXXX by Ditech.In the disclosure letter it stated that ditech would forward that payment to XXXX XXXX who says we are in default and they never posted the payment although the escrow was transfered on XX/XX/XXXX.We are very near our sixty day grace period and are being threated with forclosure, received papers in the mail.We have contacted both mortgage services and our credit union, the cu suggested asking Ditech for a refund.they say that we need to contact XXXX XXXX.Thank You for your time.
Consumer complaint received 2019-04-16
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. (TX)

Experian/XXXX  is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. XXXX
Consumer complaint received 2020-06-06
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: Experian Information Solutions Inc. (CA)

I filed a dispute with experian of an account form state recovery system for {$510.00} that was found out not to be reporting accurately. The debt was never properly validated and was found to have been a bad account. As a result, both equifax and transition promptly removed the bad account form my credit report. However, Experian ha shad the account dispute for 2 months now and the account still shows on my credit report as under dispute. I have tried reaching out to them with no response received back.
Consumer complaint received 2023-06-30
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Daiyaan, Inc (TX)

We did closing of our new home last week and we had a bad experience with the lender Liberty Home Mortgage. 

XXXX.They charged us very high origination cost ( got it verified from other lenders ) for an amount of {$16000.00}, to bring down the interest rate, but got the same market rate the date it was locked ( 30 days ) .When I asked why the charge is so high, then the loan XXXX XXXX XXXX arrogantly said no lender gives jumbo loan to H1B ( I had pre-approval from XXXX other landers who agreed to approve my jumbo loan ) XXXX.The final closing disclosure was sent just XXXX hour before the closing time, this was done intentionally so that we as a buyer get no time to negotiate the loan costs Liberty Home Mortgage Phone ( XXXX XXXX XXXX XXXX XXXX Email : XXXX Toll-Free : XXXX Toll-Free Fax : XXXX www.libertyhomemortgage.com XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2019-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (UT)

Late XX/XX/2018 I set up bi-weekly payments with Suntrust Mortgage. I had purchased a home in XX/XX/2018  and the mortgage was sold to Suntrust right away. I have never made a late payment or missed a payment with any mortgage company in the last 30 years. I made my regular XX/XX/XXXX payment which posted to the account on XX/XX/XXXX. Then on the XXXX and again on the XXXX Suntrust deducted half my payment to start the bi-weekly payments on XX/XX/XXXX. The XX/XX/XXXX payment has not posted. The payments are sitting in a suspense account. I called 4 different times on 4 different days in a row to inquire about this, I was told the first 3 times it will post tomorrow. On XX/XX/XXXX I spoke with a rep who said she has to submit a special request to have the funds moved from suspense to my payment and it could take 7 business days putting me past the late fee period. She said since I didn't pay a full month in advance on my mortgage I don't qualify for the bi-weekly payments and I would have to call each month to have the money moved from suspense. Now it is becoming a problem to get the money they are holding applied to my XX/XX/XXXX payment and I don't have the funds to make an additional payment while they work this out. This feels like a very crooked process to charge late payments to unsuspecting consumers.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-18
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. (TX)

I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following addresses are not correct : 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 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NV)

I received a letter from XXXX XXXX XXXX XXXX XXXX for an amount owing paypal of {$60.00}. I contacted pay pal because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.
Consumer complaint received 2023-06-26
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. (FL)

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 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 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 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.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, OH XXXX Subject : Request to Unfreeze Credit Report Dear Innovis Consumer Assistance, I hope this letter finds you well. I am writing to request the unfreezing of my credit report with Innovis. I had previously placed a freeze on my credit report for security reasons, but I now wish to lift the freeze to allow access to my credit information. 

Please find below the necessary details to process my request : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX Previous Address ( if applicable ) : same as above Contact Phone Number : ( XXXX ) XXXX Email Address : XXXX I kindly request that you lift the freeze on my credit report with immediate effect to grant access to my credit information. I understand that this request is subject to the appropriate verification process to ensure the security of my personal information. 

If any further documentation or identification is required to complete this request, please inform me promptly. I am prepared to provide any additional information necessary to facilitate the unfreezing of my credit report. 

I would like to take this opportunity to remind you of the importance of protecting consumers ' personal information and complying with the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I appreciate your dedication to safeguarding my credit information and ensuring the integrity of the credit reporting process. 

I kindly request written confirmation of the successful unfreezing of my credit report once the process has been completed. This confirmation can be sent to the address mentioned above or via email to the provided email address. 

Thank you for your prompt attention to this matter. I trust that you will handle my request efficiently and with the utmost professionalism. Should you have any questions or require any further information, please do not hesitate to contact me. 

I look forward to a swift resolution and the unfreezing of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
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. (CA)

three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter
Consumer complaint received 2023-06-26
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Customer Service po box XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from XXXX XXXX or Experian. 
I am requesting that XXXX XXXX and Experian remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

XXXX is reporting an open account and unpaid balance of {$1100.00} to my *XXXX  XXXX profile. My Credit profile shows that this XXXX account was charged off in XXXX. Legally they can not report a balance that was sold/charged off. This account was charged off in XXXX and bought by XXXX XXXX XXXX in XXXX. 

XXXX XXXX is reporting an open balance of {$1100.00} " Twice '' on my credit reports. and is reporting to all XXXX credit bureaus for an account that is over 7 years which should not be legal.