davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX Ditech notified us that we would be given a new account number. When that happened our interest rate went from 1 % to 7.50 % and payment went from {$87.00} to {$310.00}. This was not correct since the above was in effect until XXXX of XXXX, and even at that time the contract does not go to7.5 % it only goes to % 2 with a payment of {$100.00}. This was all per a loan modification ( " 2MP '' ) done in XX/XX/XXXX. 
Each of the last 2 months we have been unable to make payment on the website as it shows the higher rate and payment. So we called and made payment on the phone with a representative for the correct payment amount. ( confirmation numbers are in documentation ). We continue to get calls and letters stating we are over 52 days past due and they have charged late fees. 
When we speak with someone on the phone or we go onto the web site it shows the correct interest rate and payment but letters and phone calls state the opposite. 
When we last spoke with a representative XX/XX/XXXX we were told, " We are working on it. We do not have a resolution date. We have over 11,000 accounts with this same problem. '' We are concerned about our credit report, almost daily letters, weekly phone calls and other possible repercussions since they do not have a resolution date. Since it has already been over 2 months since this all started, any help you can give us would be greatly appreciated. 
See included documentation.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My required monthly payment is {$1800.00}. I sent a check for {$2000.00}, which my servicer, Carrington Mortgage Services received on XX/XX/2019. However, Carrington is refusing this payment. Is there a way to require them to accept the payment I made?
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

I received a letter that my credit card was closed effective immediately on XX/XX/. Subsequently, I received letters that my 2 checking and 2 savings accounts will also be closed effective XX/XX/XXXX  on XX/XX/. I went into a branch and they said that they did not see any suspicious activity or reason why the accounts would be closed. When I called the number on the letters, they also said that there was no reason listed. This impacts my available credit significantly, and I have no derogatory marks.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

In or about XXXX I opened a XXXX XXXX XXXX # XXXX at a XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX. I purchased tires and I continued getting my car serviced all charged to my XXXX XXXX XXXX XXXX ( which is managed by Citibank. The XXXX XXXX XXXX always honored the XXXX promotions, discounts etc. 
on XX/XX/XXXX I purchased a battery from the same store with the same card ( 2-yeaXXXX warranty ), it was to my surprise when I got the receipt, the store is now called XXXX XXXX but still honors my XXXX card the same as before. please see receipt attached. 
I moved to XXXX XXXX in XXXX and naturally I wanted to find the nearest XXXX XXXX store that would honor my card the same way, which I did, it is located on XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX ( XXXX ) XXXX. The XXXX XXXX sign was and still is on their building. 
I continued to use them the same way as the other store with the same credit XXXX honoring the same promotions and discounts for tires, oil change etc. sometime in this period they changed their name to " XXXX XXXX XXXX '' please see copy attached. remained to treat my XXXX the same way as before. All apply. 
on XX/XX/XXXX my car would not start, I had it jumped and I took to my XXXX / XXXX XXXX tires store. They checked my battery and found out it is 50 % dead and it needs to be replaced. 
I was shocked because I bought it with 2 years warranty from the same company " XXXX '' .. the extra 3 weeks extra from the time f purchase I was out of town and it is not enough time to cause a 2 years battery to be 50 % empty. XXXX XXXX XXXX replaced the battery and told me if I bring the receipt of my original purchase, he would refund my money. I did come back with my receipt from XXXX XXXX XXXX. At such time Goodyear/Action gator tire refused to refund me the money claiming XXXX XXXX is not part of their network. I contacted XXXX and that was a night a mare, I also contacted Citibank that I make my payments to on my XXXX credit card.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (AL)

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

I have submitted a complaint in the past about XXXX XXXX XXXX/XXXX XXXX   's business practices and I finally received a credit from XXXX XXXX for Late Payment Fees in XX/XX/2019. AGAIN, XXXX XXXX has been charging me a Late Fee every month since I had a dispute with them. In XXXX I made a {$27.00} payment and was charged a Late Fee of {$27.00}. In XXXX I made a {$52.00} payment and was charged a {$37.00} Late Fee. In XXXX.I made a {$27.00} payment and was charged a {$27.00} Late Fee. My Late Fee should not be more because I sent a larger payment as reflected in my XXXX Statement. XXXX XXXX takes longer than any credit cards I have to process payments. I send 3 payments at the same time at the same mailbox every month. XXXX XXXX is located in the United States and their mail doesn't take any longer to arrive than anyone else 's, although they claim that it does every month. I've asked them for the last two months to change my credit card payment due date and they claim I owe a payment, so they can't do that. Even though the payment is NOT over due. I know that it is required by law to change my payment due date when asked to do so, having informed them I get paid 4 days before the due date. They are just wanting to scam money out of me. XXXX XXXX has caused me Late Payment and Over the Limit Alerts on my credit reports every month, lowering my credit score. I am not going to continually make payments to XXXX XXXX when they take my payment for Late Payment Fees every month, which causes my XXXX XXXX XXXX Balance to get higher each month. I literally make a payment each month, then my XXXX XXXX XXXX balance gets higher, and I receive ZERO for my money! They continually make excuses so they can charge me Late Payment Fees EVERY single month. I know I have legal rights to change my credit card due dates, I have done it in the past. My current payment is not due until XX/XX/2019 and I'm not behind. They are lying to gain money.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2019-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

To whom it may concern, On XX/XX/2019 I paid a person an amount of {$250.00} in exchange for a smartphone through an online payment app called XXXX. I found out that this person turned out to be a scammer. Once I found out that this person was a scammer I called my bank right away ( XXXX ) and called XXXX right away to stop the payment to be sent to that person. However, both XXXX and XXXX asked me to do a dispute to the transaction. I first did that with XXXX since the payment was not posted at that time. Then, I did that with XXXX and they said we need 7 to 10 business days in order to complete our investigation. Later, I found out that they made their decision in less than 2 days which did not make complete sense to me and their response was we couldn't find enough evidence, therefore we denied the dispute request. I even asked if I could help with that by sending screenshots that shows both the merchant and I agreed on what goods for what amount and how we paid each other, they said we will get back to you incase we need those information. They sent me an email asking me what kind of merchandise or service I paid for?, What date was the service or merchandise to be received?, Have you received all of or just part of the order? -- And then before I even responded to that email, they sent me an email with their final decision right after the first email in less than 24 hours. I tried calling them again to resolve the issue by asking them if they can have a second review on that case and if they can see the screenshots between me and the supposedly merchant, but they were like this is our final decision. I tried calling my bank and their response was we don't have much to do, your matter is with XXXX and try to resolve with them. I told them this is your fault because I called and filed the dispute before the money gets posted and you did not stop the payment. I'm trapped between both companies and no one is willing to help any further and both are like good luck trying to get the money back. No specialist from XXXX took my case seriously and looked further into this matter and every specialist kept transferring to other people that have no idea about my case. As well, no one from XXXX took my claim seriously and they put the blame on me even though I made sure to call before they process any payments with XXXX. I want to know how could that be fair to someone.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Flagstar Bank, N.A. (MI)

I recently had a very frustrating and extremely costly experience with Flagstar Bank. I feel that I am owed compensation totaling {$1800.00} from fraudulent activity on my ATM card. 
On XX/XX/2019, my ATM card was denied when I went to make a purchase so I went to my branch office to see what the problem was. They informed me that there were multiple ATM withdrawals over the last two days wiping out my life savings. They lady at the bank was surprised that Flagstar did not detect all these withdrawals and freeze the card account. I then filled out an affidavit confirming by oath that those eight charges were not mine. 
Instead of receiving a credit for this fraudulent activity, Flagstar bank denied my claim. According to federal law, the burden of proof is on the banking institution not the consumer. I feel they are in federal law violation by not returning my money that was taken from me fraudulently and that they are forcing the burden of proof on me. I have filed a police report with the XXXX XXXX Police Department on XX/XX/2019, case number XXXX. 
I am now demanding that they return in full my {$1800.00} that was fraudulently stolen from me and they should go after the bad people for their money not me.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.
Consumer complaint received 2019-04-23
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. ()

Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus Transunion, XXXX and XXXX. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OR)

On Monday XX/XX/XXXX I received a late notice from Synchrony Bank. The amount owed as {$140.00} to bring my account current. I processed/authorized the payment of {$140.00} and they deducted {$1600.00} from my account. When I contacted the bank they were unwilling to resolve this issues. 

In addition, I have received all notices from every other CC company. I did not receive statement from Synchrony. This has happened several times before and it appears to be a revenue generating scam. I've filed a complaint about this before. 

This bank is operating in the shadows and needs to be investigated for it's banking practices.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX XXXX was included in my bankruptcy, Docket # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.
Consumer complaint received 2022-10-09
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. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX was included in my bankruptcy, Docket # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.
Consumer complaint received 2019-04-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (IN)

My complaint is with the American Education Services.I received letters from them saying I'm delinquent on my account. I have explained to them that the checks are sent on time a month earlier. For example, my payment is due by the first of the month. I send a check on the 12 or 15 to pay for the next month with the account number and the month the payment is made. Yet even though my payment is early they are saying it is late because they received it on the 15th. They told me the only way I could get this stopped is to set up automatic payment from my checking account. When I asked to know the lender they told me it was the XXXX XXXX XXXX, however on my Statement it says XXXX XXXX. When I asked to speak with the lender directly they told me that I could not do that and that they handle everything I need to know. They would not give me any information about my loan. When I asked for a phone number to speak to someone else they said there was no other number. They are charging me extra money on this loan that I can not afford and should not have to pay since I have all the check stubs supporting that I am make the payments on time.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I've reached out to the company for over a year to correct inaccuracies. I also provided proof and it was over looked I had to call in month after month to have them resubmit it still to be ignored although I provided the poof. They had no information from the company that proved it was right. Also they did not followed FCRA laws as far as late payments are concerned. Also this is for XXXX and Equifax. Equifax also sent an invalid credit score to lender. I have a copy of what the company was sent. And also a copy of what Equifax gave me on a paid membership daily. Which was totally different and affected my approval.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Knight Adjustment Bureau (UT)

I have attached documents, I have requested repeatedly proof this is my debt, I believe it is not mine. I have researched and found that in this type of case when the debt is sold to a third party the debt is the sole responsibility of the primary. Knight Adjustment would not send me proof and actually sent threats of court instead. The first not being viable the second time there is a court date set for XX/XX/2018 in which I need to bring proof of all my assets. This company has violated my rights by multiple calls per day, calling my mom, giving my neighbor a court document instead of me both of these violating my right to privacy, refused to give me proof that it is my debt in which by law they are supposed to produce it within 30 days of me sending a written request. I am sending all these documents to you.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NH)

I received a letter from Citibank today seeking to verify " suspicious activity '' on my account. Unfortunately with all the data I've sent them they're unable to verify my identity! 

I gave them my phone number - the only one I've had since long before opening the account. They couldn't use that. They couldn't use my previous ( closed ) account number. Even though they have my SSN, they didn't even ask to verify that. 

I was being asked for other phone numbers, whether I was at work or not ( as if that's even relevant ), if I had any other active Citi accounts ( I don't and I'm seriously considering closing this one as well ). The phone number I called from is the one I used when I signed up for the account ; they can't figure out I'm calling from that number like every other credit card company? 

I was asked for a verification code from the letter ; the problem is there's no verification code on the letter. Their only way to verify me was to send me a paper form. Seriously? 

How can a company be so inept as to not be able to verify the identity of a customer holding not one but TWO physical cards? I wound up hanging up questioning whether I was even speaking to a Citibank customer service agent!