davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

A JC Penny credit card was opened in my name without my notice on XX/XX/XXXX. For some reason, payments were not made in XXXX and XXXX of XXXX. When the issue was brought to my attention, I quickly made payment and requested that the account be closed with immediate effect. Unfortunately, the late payment was report to the credit bureau on XX/XX/XXXX even though I was clear that I did not open the account when I had made the payment. 

I will appreciate it if this mistake can be corrected and deleted from my credit report.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following Credit Reporting Agencies XXXX XXXX, XXXX XXXX Transunion ) continue to violate my consumer rights. These agencies have violated XXXX XXXX XXXX ( a ) ( XXXX ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to XXXX, XXXX XXXX Transunion with my demands after I file this complaint. 

Thank You XXXX XXXX
Consumer complaint received 2022-09-01
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. (AR)

On XXXX XXXX I applied for a product to see if I could use my SSN since I have not used it is since XXXX  when I bought my car.I have been a victim of fraud and identity theft since XXXX XXXX with a change in my identity with my daughters SSN that was given to me back then.After applying for the product on XXXX XXXX I was the only one that had my password to unlock and unfreeze my credit report.On XXXX XXXX my credit report was unlocked, locked.frozen, and unfrozen 6 times which it was not me because I had already applied for the product on XXXX XXXX, so who went into my credit report on XXXX XXXX to do this suspicious activity.On XX/XX/XXXX I contacted Experian about this matter received an email from Experian and the case worker that was handling the case on XXXX agent name was XXXX which XXXX have not received a response from her in this matter case number XXXX XXXX XXXX I called to see why I have not gotten a response from Experian in this matter the agent I spoke with did not get her name she indicated that the system did that on XXXX XXXX, which I know I did not unlock or froze my account on that day because it was already done on XXXX XXXX, when I applied for that product since I had not use my my SSN in about 4 years since I bought my vehicle in XXXX of XXXX means that if it was Experian XXXX means that their is a Data Breach within their system that occurred on XXXX XXXX, which the called I made on XXXX XXXX at XXXX p.m. when the agent indicated that the system had generated that on XXXX XXXX have been through to much with credit bureaus changing my identity within their system without my consent. The agent that is handling the case is XXXX XXXX ext XXXX.The call I made to get in contact with Experian is XXXX XXXX which was made on XXXX XXXX that when the agent stated it was their system that locked, unlocked, froze, and unfroze my credit report on XXXX XXXX I only did it on XXXX XXXXI uploading where I unlocked and froze my credit report on XXXX XXXX and someone or their system as the agent indicate on XXXX XXXX 6 times one is missing on the upload because it was archived.
Consumer complaint received 2019-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

between XX/XX/XXXX-XX/XX/XXXX I did a plus parent loan for my daughter XXXX XXXX. I didn't sign no papers on this loan. My daughter was injured and couldn't attend the program anymore. I started making payments and realized that she had 3 loans that total to {$17000.00}, {$860.00}, {$6400.00}. On XX/XX/XXXX I consolidate all the loans with Navient. With the interest rate being 8.5 % it seems the loans keep increasing and making it difficult to manage. Since XXXX College is a private school why are the loans affiliated with the Department of Education. I never signed off on a Federal loan. I never signed any papers. I have requested for validation with my signature but never once received it. The loan was for a private institution and not federal.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

This is an " American Express '' Gift Card that was given by the employer as a reward for an amount of {$2500.00} Unfortunately, American Express does not allow for a security code that I can create to protect the card information in case if it got compromised. 

I just noticed online transactions when I logged in to the GiftCard web page that I didn't make ( from XXXX, XXXX... ) when I called American Express for resolution, they said that I can not dispute charges on an American Express card, they deffer me to XXXX so I can make my request to dispute those charges hoping that they will reimburse those amounts to the gift card then I can call American Express and ask them to transfer the fund to another new card and mail it to me!!! 

I am pretty confident that I never handed the gift card manually and I used it myself at the XXXX at the stores. 

So either American Express got hacked where the gift card number ended up in the wrong hands making unauthorized charges or maybe one of those stores where I made purchases at the POS they got hacked and the gift card number was exposed somehow, but regardless, I feel that American Express as a big company should do better and ensure or give the option for these gift cards to be protected by a PIN number just in case if the card got lost or compromise, it can't be used so easily!!!
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

My issue was hard to define with the previous questions you asked. 

I have a credit card TJX Rewards/XXXX, previous credit line of {$5000.00}. After much usage previously but no immediate need over the last 12 months, they reduced the line from {$5000.00} to {$1000.00} without any previous call or notification to discuss their concerns and as a result forces me to either use their card or deal with the decrease in my credit score. Pure blackmail by requiring me to use their card and now ... considering what I have historically spent in their stores, damage my credit further by having an unhealthy percentage of credit usage on my card. 
They know exactly what they are doing. While my income and credit score has increased since originally securing this card, they have never dropped my interest rate. They claim they are simply following a process and in fact they probably are. A process created by scheming accountants and executives finding creative ways to pressure usage just like the cigarette companies prompted addiction to nicotine. 
I am a XXXX XXXX overwhelmed by regulation. How do you let these companies get away with this?
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2023 whats the day that I was so devastated that the company Square deactivated my account I had {$770.00} in my account three days before I had to pay my rent. You know XXXX I got up that day went to the store doing my regular errands and I noticed my card is declined from my XXXX which was strange because I wasnt able to transfer anything to my account. All I did was open a savings account open a checking account with square and also waiting for my debit card to get in the mail and then the next day my account was deactivated. Thats very weird thats very scamming thats fraud so the company square need to understand that every other victim that we feel in that moment is wrong that you guys is doing this to small business owner I just opened this company in XX/XX/XXXX was the first day that I started to do business with Square then deactivated on the XXXX so please help me understand Square why did you do this to my account I need to get my money ASAP the 90 days thats what make me really really fishy about this situation because it doesnt take 90 days for you to release somebodys money after investigation doesnt make sense. Help me understand why you deactivated after 28 days of being in business with you still havent got a response email eight times no response
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. 
( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. 
Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. 
The situation became Damaging when XXXX XXXX  for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX  yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. 
As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The Consumer.
Consumer complaint received 2019-01-30
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dyck-O'Neal, Inc. (TN)

I received a letter on my front door from a company who claims they a second lien on my house. I am unaware of this company and need to know if they are legit. When i first purchase my home i had two mortgages but later to my understanding i refinanced and combined the debt. This company by the name of Dyck Oneal claims they bought the account from the second lien holder. They never sent me any packet info neither have i signed any paperwork within the last ten years. Now they have sent a payment book and threaten to report to the credit bureau if i don't pay. I would like to know can they open an account that is over ten years old and do they have a lien on my property? They are demanding payments from me now.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.
Consumer complaint received 2022-08-29
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. (PA)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

I requested Wells Fargo to remove PMI when my mortgage reached 80 % LTV in the summer of XX/XX/XXXX. Wells Fargo declined saying that while I met all other requirements, I had to meet a 78 % LTV, not 80 %. When I met 78 % LTV in XX/XX/XXXX I  asked Wells Fargo once again to remove the PMI. They explained I need to pay another {$5000.00}. I asked that they explain the fee in writing. I purchased my house at {$150000.00} and my loan is now at {$110000.00}, I am within the 78

% LTV and I've never heard of a PMI waver fee. Wells Fargo keeps asking
for more time to review. I asked they quit stalling, because I am over paying while they stall. Wells Fargo responded that they needed 3 weeks and would have an answer for me by XX/XX/XXXX. So I held my XX/XX/XXXX payment and waited. 

It's now XX/XX/XXXX. I still haven't had the PMI removed or received an explanation as to why it hasn't been removed. I've already made one {$110.00} over-payment and will have to make another one on XX/XX/XXXX since Wells Fargo is purposefully dragging their feet. I can't pay late while I wait for their answer because it will give Wells Fargo grounds to deny PMI removal. 

Can you help me get an answer from Wells Fargo please?
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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 (GA)

I fell behind on my credit card and I received a notice about making a payment to unrestrict my credit card. I followed the prompts and even talked to someone on the phone on XX/XX/XXXX ( XXXX ). The payment was made using a savings account. I waited and waited for the funds to be drafted but they never did. I then received an email stating my payment was returned, but the funds were never removed. I called back to resubmit the payment and was advised that everything was fine. I have been looking forward to using my credit card and made another payment only to be told by XXXX ( XXXX ) that my account could not be unrestricted. I was lied to and deceived just to get a payment from me for a credit card I can no longer use. I requested my funds from my payment back and they said they couldn't do that either.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (RI)

I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. 

I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. 

They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. 

They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. 

I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from Equifax, XXXX, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (CA)

EQUIFAX is posting inaccurate information on my consumer report which is causing harm to my personal life. EQUIFAX is furnishing a consumer report that claims I have a Student Loan account from " Dept of EDXXXX '' that has " At least 120 days or more than four payments past due ''. It is also furnishing a report that claims I have an account from " US Department of Edu '' that was opened on XX/XX/2011 with a payment status as " Collection Account '' that is " XXXX days past due '' and has a balance of " {$2400.00} ''. This information is from an account that was opened over 12 years ago, in XX/XX/2011. Both of these reports are inaccurate and need to be removed from all consumer reports regarding my person furnished by EQUIFAX. I have tried disputing with the company through XXXX and had no success. EQUIFAX continues to violate my rights as a consumer by publishing my personal information without my written consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (WA)

I have an Upgrade Rewards checking account which gives 1 % cash back on purchases made with the debit card. 

I made the following transactions on my debit card but was never given cashback in the subsequent statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX