davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Every time I attempt to make a payment they charge my account a return check fee. My accounts have the funds and this time they said they got the payment and as a one time courtesy they will return the fee. 

I have never experienced such XXXX service from a CC company It is citi bank
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I am writing to complain about the lack of customer service and proper procedures from Chase Bank. I have had and maintained a checking and savings account at this bank for several years. On last week, I tried to obtain an online personal loan, the company contacted me and told me I was approved, they needed my routing number and account number in which I provided, they told me how much would be deposited into my account, later that day they called me and said my bank would be sending me a passcode and to give them the passcode, I did and they claimed they deposited {$240.00} into my account, I informed them that no they did not. They were able to get into my account and make a fraudulent claim, that's how the passcode was sent to me. When I figured out what they did, I called Chase immediately to report it, then I called the company at XXXX. I told them not to contact me again and that I was calling my bank, because this was fraudulent. They were trying to get me to withdraw the {$240.00} and send to them from XXXX or XXXX, I told them I was reporting this to the police and to my bank. Someone how they were able to get into the banks system telephonically and fraudulently portray me as if I was making a fraud complaint about some funds that I had already received from the bank a couple weeks earlier. I contacted the bank immediately, at the time this happened, I only had about {$160.00} in my checking account, but when I checked it, it had a balance of {$400.00} and I told the bank that the balance was incorrect and I explained what I figured out had happened, someone was trying to scam me. I instantly called the bank to inform them and the very next day, they changed my telephone password and I felt like the matter was resolved. I tried to withdraw some funds for my personal use and could not, I called the bank and was told there was a restriction on my account and that the bank was closing my account. They would not provide any details as to why am I being punished for fraudulent activity that I reported regarding my account. I never withdrew the funds, no explanations were given and I feel as if I'm being treated unfairly and possibly damaging my credit by Chase closing my account due to no fault of my own.
Consumer complaint received 2022-03-30
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. (TX)

MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.
Consumer complaint received 2018-11-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

Received a letter concerning refinancing my VA home loan. The letter stated that it was a pre-approved loan. It gave specific numbers concerning dates, interest amount and cash out amount. It also stated that it was a firm, guaranteed offer. 
Almost from the beginning of starting the process, everything began to change. The interest rate, the closing date, the cash back amount all changed. I discussed this with them and they offered ways to manipulate the numbers to get me more money, including skipping payments and discounting fees. 
It eventually became clear that it was a classic bait and switch but by that point I had paid for a VA appraisal and termite inspection. 
I notified them that I was cancelling and requested they reimburse me for my costs, which they refused. 
They denied the facts of the letter they sent and requested a copy, which I sent them but basically said to bad.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

Synovus Bank is fraudulently reporting that I have an " active loan '' with them. 

I had a loan with Synovus Bank, ( original lender was XXXX XXXX & XXXX ). This loan was charged off on XX/XX/XXXX due to lack of ability to pay at that time. An employee of Synovus, ) XXXX XXXX ), in an attempt to collect the debt " modified the loan in their system '' to show a lower monthly payment with a balloon payment of {$5800.00} in XX/XX/XXXX. She said she was doing this to help me out. I never agreed to such modification! This change showed the account open and every month an additional late payment. 
I tried several times to get Ms. XXXX to report this loan as it should be. That being charged off, no monthly scheduled payment, no balloon payment, and a reporting of a Date of 1st Major Delinquency on my credit report of XX/XX/XXXX, but to no avail. 
After sending a certified letter to the bank president, I was contacted by XXXX XXXX. Through several talks and explanations, he seemed to try to get this reported correctly. In XX/XX/XXXX he did get the late payments removed, but said they added that the plan was being " Paid under a partial payment plan. '' I advised their was NO SUCH PLAN agreed to and that it needs to be removed and the Date of 1st Major Delinquency needs to be corrected. He called me back and said that the 1st Major Delinquency date was corrected and that it would take about a week to remove the " partial payment '' wording. I have left two messages for Mr. XXXX but no reply. 
I pulled my credit file this month. The Date of 1st Major Delinquency is still listed as XX/XX/XXXX, it still says that a payment plan is in effect, and the balloon payment amount has risen to {$19000.00}! 
I feel that Synovus is purposely failing to correct this matter.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (IL)

We used Draper & Kramer Mortgage XXXX to originate an FHA home loan. We closed on our home on XX/XX/2017. Our loan was almost instantly sold. The loan was then sold a second time within a year. The 3rd company that had our loan did an escrow analysis. They found we had an escrow shortage of {$5800.00}. I reached out to Draper & Kramer since our contact said he would always be there to help. I was confused how this happened. The shortage was a result of not enough money being collected at closing for our escrow account, not enough money being collected monthly in our payment, and our taxes going up. I understand the tax increase. But I cant understand how the loan originator made a mistake on the closing costs and monthly payment which is now putting my family in a bad financial bind. Their solution was to offer us an interest free loan to make up for their mistake. I do not feel this is fair. I do not feel I should now be indebted to the company that caused our hardship.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to find out how much I owed Bank of America by calling their phone. They would not give me the amount until I gave them information on my brother & son who have nothing to do with our cards or money. They wanted personal information like where they lived & more. We have always paid on time. I never got the amount owed.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NV)

I was offered to sign up for the Target Red Card in store by their Cashier at their Target Location in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She had informed me that all i needed to do was provide her with my information and she would place that application through. She had informed me i was approved for the total of XXXX credit Limit and that i can start using it before my card arrived with some recite. No other information was given to me but that. A couple of business days later my card had arrived and was able to use it. Yet i was not informed of what my interest rate would be or what even is the amount of time i have before i would be charged for interest none of that was provided to me. I then began to receive phone calls from their collectors informing me i had debt to pay i was aware of the XXXX XXXX i needed to pay because that was the only transaction i had done with the card later to find out i owed late fees. I own other cards i have an excellent on time paying record showing i would never make a payment that is almost a whole entire month late is has ruined my credit and i have contacted their customer support only for some so called higher up let me know it's my problem and and if i was smart enough i would have searched it up. That is the worst i have ever had to deal with.
Consumer complaint received 2019-08-31
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. (NC)

My husband, XXXX XXXX, tried to apply for a charge at XXXX XXXX but was denied. They said he'd get a letter from XXXX XXXX explaining why. He received a letter from XXXX XXXX dated XX/XX/19 stating that his application was denied because TransUnion told them he was deceased. He most certainly is not deceased. I phoned TransUnion about this misinformation provided to XXXX XXXX, but they refused to correct their misinformation. I believe it is TransUnion 's responsibility to correct false information that they have provided to a company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (MA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-08-31
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. (IL)

Sent my first dispute letter, dated XX/XX/2019 to Experian and they received the letter via certified mail on XX/XX/2019 @ XXXX XXXX. I received their response on Monday, XX/XX/2019. Their letter was send via First Class Mail. According to USPS, First Class Mail takes 1-3 days to be delivered. Thus, Experian 's response to me was over the 30 day violation and Not in compliance of this rule. I have all of my mail tracked by USPS daily delivery digest ... so I know all incoming mail/packages coming to my address. ( I have attached this print out as proof/support of my complaint ). Since I received their response on XX/XX/2019 ... according to the timeline given by USPS for first class mail ... .they mailed their response to me on or after XX/XX/2019. I attempted to reach out to them again with a 2nd dispute letter, asking them to delete my accounts because of their non compliance to the 30 day rule violation. This letter was dated XX/XX/2019 and was received by Experian via certified mail on XX/XX/2019 @ XXXX XXXX Their second response to me was received within the 15 day rule ; however, no accounts were deleted from my credit report.
Consumer complaint received 2019-08-31
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. (GA)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2018-11-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
Consumer complaint received 2018-11-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
Consumer complaint received 2023-03-22
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. (NC)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (ND)

I have going through financial hardship and was unable to make my monthly American Express credit card payment. I contacted American Express and explained my situation. They told me they had programs available to assist with my certain situation but that I wasn't able to access those programs until I paid my account was current. I told them I didn't have enough money to get my account current and they still responded they could only help me if I was current. I reluctantly paid the minimum due, which meant I couldn't pay other bills that I owed, and then they said " Oh, I'm sorry, we don't have programs right now that can help you. '' Then, about one week later, they withdrew money from my bank account without my permission. I called them 3-4 times to get an explanation as to why and how they did this and they said they couldn't talk to me until my account was current. I again told them my financial situation and again they told me they couldn't help me unless my account was current. I wouldn't pay because, one, I didn't have any money to pay, and second, I wasn't going to let them do to me what they did to me the prior month. I want them to remove their finances charges and late fees and work with me to get this paid off. Now they have hired a collection agency to collect this money.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Something called IC Systems reported to my XXXX  report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc. (TX)

Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency. 
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}. 
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX. 
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed. 
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served. 

What course of action can I take as this is holding up my progress of receiving a approval for my home loan?
Consumer complaint received 2019-08-31
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)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.