davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer.

The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ).

Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role.

Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property.

I authorize Discover and The Bureau to proceed with this complaint.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX report a scam or fraud complaint with a transaction with Bank of America. 
They respond that they dont deal with XXXX XXXX, not able to report anything with the scammers. 
The reason I try to contact them with the issue because I have been scammed by a contractor. 
XX/XX/XXXX transfer a {$2000.00} through XXXX with Bank of America to XXXX XXXX XXXX for renovation project deposit. 
I total transfer {$6000.00} to XXXX XXXX XXXX the contractor through check and XXXX. 
XXXX XXXX contact XXXX XXXX XXXX for the project start, he disappear with no response. XX/XX/XXXX contact him finally got response by request more deposit, I send him formal request for cancel the contract refund the deposit, he agreed. 
But 51 days, XX/XX/XXXX he did not refund a single cents to me. 
Already try to results the issues on XX/XX/XXXX with XXXX, XXXX XXXX XXXX did not respond. I also file this with federal trade report, and state attorney general. But the back doesnt try to help at all.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2019 I checked my Synchrony Bank Walmart Credit Card balance, with a limit of {$1400.00}, I had only recently used around {$200.00} for a balance of {$600.00}. On XX/XX/2019 I go into schedule to pay what I had recently used and my credit limit was dropped to {$830.00}! I have not been late once, had no notice on the reason why I my limit was dropped and when I inquired on to the reason they could only say I had been late on 3 payments in the previous year! I have not been late once! I pay constantly during the month and whenever I make a purchase I immediately make a payment to avoid finance charges!! Not only did this hurt my credit in lowering my available credit, but also my utilization which was at 20 % has been jumped to 60 %!!! When I went to purchase a vehicle this weekend, due to this blatant attempt by Synchrony Bank to ruin my credit reputation, my interest rate is much higher than need be. I wish to have my previous credit limit restored and pay this card off and say good riddance to such a fraudulent credit company. Seeing others reviews on this bank lets me know I am not alone in this fight against Synchrony.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, 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. (GA)

I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.
Consumer complaint received 2021-10-24
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. (FL)

There is a bankruptcy chapter XXXX on my credit report. Stating that i have filed for bankruptcy on XX/XX/2021. This is incorrect and should be removed immediately. I have not filed for bankruptcy chapter XXXX. If this is not removed immediately, then you are deliberately going against the fair credit act. Knowing that this information that is reported is incorrect, but fail to remove it. Is illegal. And defaming my name. Please remove this incorrect account immediately
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law XXXX5 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Consumer complaint received 2022-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP (OH)

I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as Apple Recovery Services in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

Hi, on XX/XX/XXXX I opened a CFPB complaint ( XXXX ) against Chase mortgage regarding the closing fiasco we had and the promise to reimbursement moving expenses. In their response to you and I as seen in the attached letter the {$1000.00} reimbursement was to be made within 7 days. The letter was written on XX/XX/XXXX and with the Veteran 's day holiday that would put today at day 9 and still no funds have been deposited. 

Upon my call with the Chase executive team today they stated that the money would not be deposited but mailed in a check. Delivery would be 7-10 days. What I did not get was what day the check was issued nor what day I should expect it. The attached letter and response to you and I did not mention mailing the reimbursement check for {$1000.00}. 

Why does Chase get to change the rules? 

I continually get the run around and a new excuse as to why I still have not received my reimbursement. FYI the closing is complete and this complaint is in regards to them not following the terms they outlined in the complaint resolution. 

Thanks
Consumer complaint received 2021-03-05
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. (NY)

the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft I notified XXXX numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and XXXX refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed many items on my credit report with Trans Union on XX/XX/2021. On XX/XX/2021 they deleted many of the disrupted items. However, the main item which I disputed, for an auto from XXXX that I know nothing about, was left intact on my credit report and is causing me great harm. I have sent the company two copies of the fraud police report I filed, and to date they have received none of them. They claim I must mail the report to them, providing no way to upload or email the report to them from the XXXX. This is frustrating and expensive for me. Thank you in advance. 

I believe XXXX and XXXX also have the same information on their reports, despite also disputing with them.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am intrested in processing disputes on my credit report with experian. alot of information is not validated. please review all data listed to help clear my file. checking the information on my credit report is not 100 % accurate. delete all inaccurate information on my credit report to clear my file asap.
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

According to fcra accounts must report 100 % accuracy the payment history is completely inaccurate and looks like Wells Fargo is reporting the account chargeoff EVERY MONTH EVENTHOUGH ACCOUNT CLOSED A PURS VIOLATION INACCURATE reporting not to mention. The days are showing 30 60 XXXX  XXXX  how does that make since???
Consumer complaint received 2020-07-25
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. (AR)

I submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Contacted the credit report agency ( Equifax ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. Gave XXXX SS # /DOB/address. Also informed her that I received report XXXX with no problem. She put me on hold to see if she could access my report ( XXXX-XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XXXX report. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with XXXX as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX-XXXX ; XXXX-XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX-XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!
Consumer complaint received 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: IOWA MORTGAGE SOLUTIONS INC (IA)

XXXX XXXX - We started the process of getting a mortgage with Iowa Mortgage Solutions XXXX 

XX/XX/XXXX- We started looking for other companies as we were not making any progress on closing the loan with Iowa Mortgage Solutions. 

XX/XX/XXXX - Asked Iowa Mortgage Solutions not to order the appraisal as we started looking for other mortgages XXXX XX/XX/XXXX- We found a new mortgage company and started the process of getting a loan through them. 

XX/XX/XXXX - XXXX Iowa Mortgage solutions to remove all of our personal information and that we will not be continuing our loan through them. 

XX/XX/XXXX - Iowa Mortgage Solutions inquired on our credit using XXXX XXXX XXXX. I Spoke to XXXX XXXX and they confirmed that it was Iowa Mortgage Solutions that inquired on our credit. 

XX/XX/XXXX - Filled out the form that Iowa Mortgage Solutions needed to send to XXXX XXXX to remove these fraudulent inquiries. 

For 6 months I have been trying to get this inquiry off of my wife and my credit report. I have filled out a form from XXXX XXXX and given it to Iowa Mortgage Solutions to send in to XXXX XXXX to get them removed. I have had phone calls with Iowa Mortgage solutions informing me that they will do it the next day. Weeks/months pass with no information from Iowa Mortgage Solutions XXXX Then when I get a hold of them again no progress has been made. When I called XXXX XXXX they informed me the process is not very difficult. I would like to get the fraudulent inquiries that Iowa Mortgage Solutions made on our credit removed from my wife and my credit report.
Consumer complaint received 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Two issues : 1. misapplying funds allocated for escrow 2. reported late payments after agreeing to forebearance due to loss of income due to Covid 19 PHH mortgage I have made two payments marked to be allocated to my escrow balance. Both payments were applied to my principal balance. Futhermore, this company repeatedly fails to allocate funds as indicated by the mortgagee. 

In XXXX of XXXX, I called to report a loss of income to PHH due to temporary job loss due to Covid 19 related layoffs. PHH agreed to forgo payments for a period of time ( 6 months ) but reported my payments as 30 days past due in consecutive months XX/XX/XXXX  and XX/XX/ to the credit bureaus. I disputed with the credit bureaus but PHH did not correct the misinformation.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

XXXX XXXXXXXX XXXX is reporting my account closed due to fraud which is not true. I have attached an identify theft report. It is going on 5 years I have been trying to get this resolved.
Consumer complaint received 2022-08-26
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXBalance : {$11000.00} XXXX XX/XX/2021
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple requests to remove the incorrect account reporting on my Experian Credit File, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. XXXX XXXX  XXXX has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : XXXX XXXX XXXX Seems to have a similar name but that is not my name. 

I even tried to reach out to XXXX XXXX XXXX and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XX/XX/XXXX. 

Please help me