davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-06-17
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. (IL)

purchased XXXX XXXX XXXX financed thru XXXX  XXXX XXXX that was paid off in XXXX of 2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Mastercard through Sam 's Club XX/XX/2020 XXXX XXXX/ Business Card XXXX XXXX Fraudulent charges for XXXX XXXX in XXXX , Hi. For {$730.00} and finance/late fee add up to {$370.00} as of todays date. Plus no credit for a returned laptop 3 days after purchase in the amount of {$640.00}, No credit adjustment has been made. 
I called the card immediately upon receipt, and put in a fraud claim, I was assured that it would be taken care of, and they suggested I cancel my card and get a new card with a different number. I did, and Synchrony applied the old charges to the new card. I called again, they put me on hold several times, and assured me again that adjustments to my account would be made. The bill arrives again, and no changes or credits have been made. I should have a XXXX balance. This was my 10th call. 
I called again today, with no results, and hung up on after being on hold for an hour. 
The fraud department, even when I asked for a supervisor, was not willing to help. I got the same answer, that they would have to Investigate. Synchrony bill collectors, are now calling twice a day, harassing me for payment.
Consumer complaint received 2022-10-31
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. (GA)

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. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AFFIRM XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX, XXXX : # XXXX has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 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 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid off my Bank of America balance. BoA is still taking automatic payments out of my checking on a card that has a XXXX  balance. When I ask for this to be refunded, they keep telling me to " call back tomorrow ''. I then asked to just have my money refunded and to have the account closed, and they told me that I would still have automatic payments taken out of my account even if I close my card account. Currently, I have been on hold for 49 minutes with no end in sight. They are not willing to help me, refund my money, close my account, or stop taking money that I do not owe them. How this is legal is beyond me, but it needs to stop.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( Experian, XXXX, and XXXX ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from Experian and XXXX asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.
Consumer complaint received 2019-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Big Picture Loans, LLC (TN)

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX 2015 LOAN IN THE AMOUNT OF {$600.00}. THEY ARE LEAVING THREATENING MESSAGES ON MY DAUGHTER PHONE AS WELL AS MY WORK PHONE NUMBER. TELLING ME THAT I WILL BE GARNISHED FOR {$3000.00} DOLLARS. 

THESE PEOPLE HAVE TOLD ME THAT I WILL BE HAVING MY WAGES GARNISHED AND HAVE TO DO COMMUNITY SERVICE. ALSO TRIED TO MAKE A PAYMENT PLAN WITH THEM BUT THEY WANTED MY BANK INFORMATION AND TOLD ME IF I DIDN'T GIVE THEM THE INFORMATION RIGHT THEN THAT THEY WOULD PROCEED WITH THE GARNISHMENT. TOLD ME THAT THEY WOULD COME TO MY JOB AND NOW XXXX IS ACTING LIKE SHE IS CALLING FROM THE COUNTY CLERK OFFICE LEAVING ME THIS NUMBER XXXX. 

IF YOU DON'T SAY WHAT THEY WANT TO HEAR THEY WILL HANG UP ON YOUR IMMEDIATELY. ALSO I WAS NEVER INFORMED OF THE 850 % INTEREST RATE OF THE LOAN. I WAS TOLD THERE WOULD BE A {$120.00} FINANCE CHARGE. I WAS UNABLE TO VIEW THE " TRUTH IN LENDING '' DISCLOSURE UNTIL AFTER MY LOAN HAD BEEN PROCESSED AND FUNDS DELIVERED TO MY ACCOUNT. THIS IS ILLEGAL AND REMEMBER, THEIR CLAIM THAT THEY IMMUNE TO THE LAWS OF THE FEDERAL GOVERNMENT IS TOTALLY FALSE.
Consumer complaint received 2019-06-17
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. (FL)

I got an email at XXXX on a Sunday evening telling me I have a message. First I have to call to find out where the message center is. Apparently it's hidden under Services - Statements and Documents - view E-communications. Then I have to call back because it's a message telling to call but not why. 

" We're missing some important information Hi, XXXX. We've received your inquiry on your Citi Double Cash Mastercard account. We need more information from you before we can look into your question.  Please call us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ) or go to citicards.com to provide more information. '' Fight through you voice mail system again only to be told they don't what it's about either but I should probably call back tomorrow. 

I called back the next day and they still do not know what was sent or why. 

It should not take much intelligence to know that if you are going to ask a customer to call without telling them why it would be a good idea to place an alert on their account so the call is routed to the right person. 

I have spoken with 6 people with Citi regarding this matter and every person I speak with gives me a different story.
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

My property tax has never been paid from the XX/XX/2019 deadline. In addition, my last property tax payment was very late. The tardiness is causing my account to incur interest. I've asked that my company pay my bill and ensure there are no more missed or late payments. This is unacceptable and I am tired of contacting the company for the same issue every quarter. The local tax collector has assured me that the mortgage company has everything they need to make payments in a timely manner.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

COMPLAINT AGAINST EXPERIAN AND XXXX, acct # XXXX The debt was sold to XXXX XXXX XXXX. sometime in XXXX. XXXX XXXX retained its attorney XXXX XXXX XXXX, XXXX, to pursue legal action against me in civil case XXXXXXXX XXXX XXXX umber XXXX. The balance was settled in the amount of {$410.00} on XX/XX/XXXX ( settlement letter attached ) This settlement amount was agreed to therefore there is no balance owing. Although XXXX sold this debt to XXXX XXXX, the debt remains to be reported on my Experian credit report which reflect {$710.00} written off although the debt was sold or referred to XXXX XXXX XXXX, a third-party debt collection agency, to collect the debt, which was paid as agreed to. 


Attached are documentation for your review.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

On XX/XX/2019 we requested payoff of the loan for a home closing. We did not receive the pay off until XX/XX/XXXX. The pay off was dated XX/XX/XXXX meaning there was 10 days of additional interest paid to the loan company. As well, 3 days after the payoff check was received another {$1100.00} mortgage payment was withdrawn from bank account. This is very frustrating that my account information is not updated on the system clearly for the representatives to see. For instance they did not have record of my updated bankruptcy attorney. The process was drawn out and tedious costing me additional money and time.
Consumer complaint received 2019-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC (NC)

This collection account opened on XX/XX/XXXX but is reported a as a joint account with XXXX XXXX who is my deceased husband. I did not go on this as a joint nor should this account be reporting to my name at all. According to the XXXX report, the balance was {$14000.00}. The balance is shown on XXXX  to be {$4600.00} as of XX/XX/XXXX. It is on my credit report as a Account charged off. {$4600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
This is not my financial obligation. Please remove from my credit report.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX  has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
Consumer complaint received 2019-04-13
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: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/XXXX, I submitted complaint to your office ( case # XXXX ) in regards to JCPenney Credit Card Account # Ending XXXX. This problem never resolved. My credit report on file to the bureau up to date still showing negative. This problem affected my score too low and I am paying my car loan at higher interest. My Chapter XXXX was discharged on XX/XX/XXXX. For several times I disputed my case thru credit bureau and GE Capital Retail Bank denied my dispute and not agree to resolved this problem. I suspected GECRB company retaliating and punishing me since I reported and complaint my case to your office. For over 4 years this is the only company still showing and reporting negatively my credit file to the credit bureau.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

i hvae been an american express customer many years.On XXXX i spent 8 hours on the phone with home depot trying to order a stove they hung up on me cursed, transferred me to people who did not help me it cost me a day of work. and much upset. ihave disputed only XXXX of the purchase for those reasons and for reasons related to a problem they still have yet to respond on. i think i have a right to dispute the whole thing based on my rights and overall experience. It should not be taking so long to dispute this. i disputed it XX/XX/XXXX usually it takes 4 weeks they are not responding. its not fair i dont have the available credit. even if they respondi will too they gave me XXXX dollars off at the time that is not enough to compensate me. 
Please dont tell me what i have heard i am not being charged for it i want a permanent credit and the available credit restored its been 6 weeks usually it takes 4 weeks i know the law. please resolve this matter in my favor if they were goig to answer they would have this is on my business plus card
Consumer complaint received 2019-06-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

The XXXX branch of HSBC are using " Family Linking '' to link up to 4 immediate family members so that all can receive Premier banking status. 

What HSBC XXXX does not disclose is that every time a software upgrade occurs these links get severed causing your family members to be charged a {$50.00} a month fee. 

After many phone calls with HSBC and speaking with other branches, it was found out that this feature should never be used as it will cause unwanted fees in the future. The only safe way to associate accounts is through joint accounts.
Consumer complaint received 2019-06-17
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I applied for a XXXX XXXX credit builder account on XX/XX/2019 to help build my credit and I was denied. XXXX XXXX gave the name, number and address of XXXX XXXX upon my denial. I went to the Official Site of XXXX XXXX website and ordered my credit report. I received a conformation number and my my disclosure report would be mailed to me in 5 days. I have not received a report. Once I realized the report was taking quite long. I sent XXXX XXXX a certified letter alerting them that I requested my report on XX/XX/2019 as of at the time XX/XX/2019. My letter was received on XX/XX/2019 and I still have not received my report. In my letter they were also aware that I would contact the C.P.F.B and my letter was still ignored.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

The Mortgage Company is DITECH, XXXX. XXXX XXXX, XXXX, AZ XXXX, Tel. # XXXX-XXXX-XXXX Loan # XXXX My Wife XXXX and I have a Mortgage with Ditech Mortgage Company. Our current balance according t our statement is {$100000.00}, Ditech continues to harass us with the fact they claim our payment is due the 1st of each month which within is technically so. Our loan allows a 15 day grace period and is always paid each month consistently between the XXXX and XXXX in which we do electronically. 
My Wife works for the XXXX XXXX XXXX XXXX XXXX, she receives only one paycheck each month on the XXXX of each month. As soon as the funds are received electronically in our checking account we pay our Mortgage company payment, please remember the XXXX of each month moves. 
I've attached Mortgage Statements due for XX/XX/2019 & XX/XX/2019, please notice the balance due {$100000.00} for both months I mention, according to the XX/XX/2019 statement they are requesting a double payment due by this date. I've verified they received {$960.00} mortgage payment from XXXX XXXX XXXX XXXX on XXXX, XX/XX/2019 still within my 15 days grace period and they don't/wo n't provide an statement to me for XX/XX/XXXX that reflects payment received.
Consumer complaint received 2019-06-17
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I was contacted by TRANSWORLD debt collectors on XX/XX/2019 saying I owed {$7900.00} from the department of veterans affairs, which i know is false I only owe around {$6000.00}, they called saying it was an attempt to collect the debt and i proceeded to talk on the phone with them to see what we can do. they did not understand why I couldn't pay off the full amount at once and then asked if I could pay half right then and there, which I also couldn't do. they then hassled me into paying an amount I can't afford after saying numerous times that I dont have that amount of money. ( around $ XXXX/month ) they said i was on a certain kind of debt owed program and needed to take out as much money a month from me as possible. I've never heard of anything like that before, so I tried to meet them in the middle saying I could pay $ XXXX/month but they still proceeded into hassling me into paying more and will not listen to me and are taking out more than my paychecks.