davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : Transunion : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NJ)

I received an email and a phone call from Discover asking me to give them digital access to my IRS Profile. The rep explained that my account had been flagged for verification and if I did not allow access to my IRS Profile to Discover they were going to close my account immediately. 

I currently have an outstanding balance with them and I am just now in a position to start paying payment to them, I lost my husband due to XXXX XXXX which started in XXXX of this year to XXXX. 

Also, the card I have is a special design card in RED BLACK and GREEN which signifies XXXX XXXX  I honestly believe that DISCOVER is targeting XXXX XXXX  bullying them for their information to either sell them more services or take them away, why else go for my IRS Profile. My IRS Profile was not required for approval of the card, why now? I have not indicated any fraud on my account. I need answers because now they are going to close my account sell it to a XXXX company for collection and I will end up paying double what I owe and will never get justification for paying this bill off with fair reporting to my credit bureau account.
Consumer complaint received 2021-12-22
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Services keep calling me on my home phone but refuse to either disclose who they are trying to reach and refuse to remove my phone from their system after asking them to remove my phone number several times, yet they still call me.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (UT)

I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW.

EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.
Consumer complaint received 2018-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Last XXXX XXXX was hit by a hurricane and Capital one said they would waive any late fee 's or any late payments. I was just notified two weeks ago that they have reported to all three credit agencies that I was late over a 150 days,. This has ruined my credit and I want them to change this to not being late Acct # XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (CA)

My mortgage loan got sold and the servicing moved to a different servicer ( LoanCare/XXXX XXXX XXXX XXXX on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today XXXX XXXX XXXX XXXX I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX XXXX {$3300.00} due + {$720.00} extra principal ), I have received a letter today XXXX XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at XXXX told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.
Consumer complaint received 2018-04-10
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)

i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

XXXX XXXX XXXX has falsely reported to all credit bureaus that a HELOC that I had with them was foreclosed upon in XXXX. This loan was never foreclosed upon and I paid it off in full in XXXX of XXXX. I have the payoff confirmation letter from them. 

This has caused severe and irreparable financial and emotional damage. I can not even get a home loan because of this egregious error.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.18, but to my surprise these company failed to block/update these fraudulent  account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I had XXXX Fraud on my checking account with Citi Bank by some one who claimed to be with the fraud department on XX/XX/XXXX. When I realized it was fraud it was too late. The person on the phone who already had my log in information, just needed me to confirm made 9 separate transaction back to back for a total of {$1400.00}. I filed a claim with Citi Bank the minute I realized it was fraud. Citi Bank said to wait 10 days, while this was being investigated to be denied. I re-opened the claim again on XX/XX/XXXX to be denied again. No phone calls have been made to me, no letters with any explanation as to why. It has been me who has called several times to follow up and obtain status. I have re-opened the claim again for the third time after I called for status and was told it was denied, again. Today is XX/XX/XXXX and for the third time have re-opened the claim. 
Citi Bank is a sink hole, you can call and call and get nowhere, but a run around. No one has answers. You just have to follow their procedures that gets you no results.
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I have a a unverified account from MEDICAL DATA SYSTEMS INC # XXXX. I had previously disputed this account.I have already paid off all medical accounts.MEDICAL DATA SYSTEMS INC is in violation of HIPPA act laws by continuing to report negative information about an account that has already been handled and paid in full. I am in the process of buying a home and this account is still showing and Medical Data Systems no longer owns any of my personal medical records.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/year>, I received XXXX letters from Synchrony Bank informing me that they had closed my XXXX credit cards ( CareCredit, XXXX XXXX, Guitar Center and Musician 's Friend ) because, according to the letters, " Activity on accounts ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have never made a late payment for any of these cards, and in fact, I have usually paid the balance in full right away. However, I have not often used these cards and Synchrony previously closed another account I had for a flooring company because I had not used the card. I have received notices for other cards that I have not used warning me it will be closed for inactivity, and I then use it for something if i want to keep it active. When I called Synchrony on XX/XX/year>, the representative first told me that they were closed because of my credit score ( my most recent score is XXXX ). When i challenged that, the rep talked to someone else and then told me that it was for some other reason related to the wording of their letters and there was nothing else she could tell me. It doesn't make sense to me, and this will impact my credit score. This appears to be a dishonest and unfair action on the part of Synchrony Bank. I am attaching copies of the letters from Synchrony as well as a copy of my most recent credit score reports prior to receiving these letters.
Consumer complaint received 2020-11-16
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 (GA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (WV)

On XX/XX/2021 I realized I was several months behind on my XXXX upgrade program loan through Citizens Bank. My mistake was, I had a debit card stored for auto pay but that debit card had been compromised months earlier and when I had to cancel it, I forgot to update Citizens with my new card number. When I realized I was behind I contacted them ( they had emailed me, but my email on file was no longer in use ; and mailed something to my address but I had moved ; they had never called me ). At that time, they required that I pay the loan in full, and I obliged immediately. After all the mistake was mine. However, months have gone by and Citizens is STILL reporting to XXXX, month after month, that I have not paid. The balance keeps increasing each month. I have contacted Citizens and requested that they update this as paid in full, and although theyve promised that they would, they have not.
Consumer complaint received 2018-03-09
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: PNC Bank N.A. (OH)

I was called this morning, and an IVR told me that they've tried to reach me several times about a " critical issue '' pertaining to the interest rate on my credit card. I pressed 1 to find out what this was all about, because this was the first I was hearing of it. I was then transferred to an individual who started speaking in such a hushed monotone ( and quiet volume ) that I had to ask him to repeat himself. He then did, at which point he said this was a line to call about lowering my interest rate on my Visa credit card. I said no, I'm not interested, but I was wondering if there was an issue that needed to be amended because the IVR made it sound like I was not attending to an issue and that I was going to be charged with some sort of penalty. Before I could finish speaking though, the representative hung up on me! I was being courteous as well, so now I'm very confused as to whether or not I'm still in the doghouse and why the representative was so rude in hanging up one me.
Consumer complaint received 2021-04-03
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: Westlake Services, LLC (GA)

On XX/XX/2021 emailed Westlake Financial 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with Westlake Financial.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

I, XXXX XXXX, Do NOT give XXXX Bank my lawful authority to furnish my nonpublic personal information and XXXX Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding XXXX Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and XXXX Bank shall be criminally held accountable.
Consumer complaint received 2020-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

My mother was approved from a home loan in XX/XX/XXXX. 

1. The original loan documents were incorrect with the wrong interest rates and amounts. 
2. Loan adjusted during the XXXX Mortgage crisis when they were trying to refinance and payment went from : Org Payment : {$1900.00} monthly Adjusted Payment : {$4400.00} monthly ... 

Org Principal Balance : {$260000.00} Adjusted Rate Principal Balance : {$390000.00} Current Principal Balance XXXX : {$270000.00} 2 years interest : {$63000.00} 2 years escrow balance : {>= $1,000,000} Recoverable balance : {$3500.00} Less Credits {$650.00} Adjusted Rate Principal Balance : {$390000.00} 3. JP Morgan Chase was supposed to adjust the loan terms base on the XXXX Mortgage Crisis with the Making Homes Affordable Modification. Not only was the principal balance was INCORRECT but the additional fees added to the loan were INCORRECT. 
4. JP Morgan Chase REFUSED to correct the matter and sold the Loan off to XXXX which is now XXXX XXXX. 

Mother has been trying to get this corrected with JP Morgan Chase, XXXX, aka XXXX XXXX for over 13 years with no resolved. The Ombudsman Office aka Office of the President at JP Morgan Chase, XXXX, aka XXXX XXXX are continuing to play games after several attempts with certified mail, phone calls, and escalation teams submitting official documents showing the ERRORS. ALL HAVE REFUSED TO GET IT CORRECTED. 

PLEASE, ASSIST ASAP. THANK YOU FOR YOUR HELP
Consumer complaint received 2020-12-01
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-12-05
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. (GA)

On XX/XX/XXXX I sent a certified letter to Experian along with my driver 's license and social security card. They received on XX/XX/XXXX according to the tracking number. XX/XX/XXXX I spoke to a customer service agent and disputed the addresses and personal information being reported incorrectly. But still didn't adhere to my request. On XX/XX/XXXX I called in and spoke with someone in the fraud department to dispute my name and false address again. Instead of adhering to my request they're adding information. On XX/XX/XXXX I called in again to politely ask them to remove my middle name because clearly they added it from my driver 's license instead I was told by XXXX that they have to input all of my information. I told him to not add my middle name again because I don't use it instead he told me that he was doing it anyway. This credit bureau isn't doing anything but opening me up to more identity fraud like they did when I contacted them on XX/XX/XXXX. This credit bureau agency allowed a consumer to change all of my membership information to his which locked me out my account. I received an email from Experian on XX/XX/XXXX stating that I changed my password and if it wasn't me then respond to the email or contact them. I did contact them and one brave employee told me who did it, where it was done and the information it was changed to. I went and filed a police report then mailed it to Experian who never got so they say, but refuse to help me get all of my information corrected due to their security breach.
Consumer complaint received 2021-04-02
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: WELLS FARGO & COMPANY (TX)

I already reached out to the credit bureaus and to WELLS FARGO BANK for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I purchase furniture on a credit card with Synchrony Bank in the amount of {$1700.00} with a payment due date on the forth of every month. Their promotion was " interest free for one year. '' All my monthly payment were on time and I brought the principal balance down to {$510.00}. The promotion period ended on XX/XX/XXXX. 

I received my XX/XX/XXXX statement showing the they are charging me {$430.00} interest for 11 days. On XX/XX/XXXX I sent them a letter voicing my opinion of disgust with their interest charge for 11 days, and sent them a check for the balance of {$510.00} One of the conditions in my letter was if they refuse to waive the atrocious interest of {$430.00} not to cash my check and return it to me. On XX/XX/XXXX I received a response and needless to say, they cashed my check and are now demanding payment of the interest charge. I suspect this is deceptive business practice and usury interest fee.