davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Re : Equifax Data Breach On XXXX XXXX I called Equifax about their Data Breach. They told be to go to the site www.equifaxsecurity2017.com to find out if my information was compromised. It was. I tried calling back Equifax today, XXXX XXXX and can not get through to them, since the information showed my credit information was compromised. I need help to find out what to do to make sure my information is not being stolen
Consumer complaint received 2017-11-08
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: STERLING JEWELERS, INC. (TX)

On XX/XX/XXXX I applied for a Kays credit card. The manager & regular sales associate told me that it would only be a soft inquiry on my credit, after I expressed my concern of the inquiry. I had not built any credit at that point, so I figured why not build my credit with a small amount on a Kays card. I talked to the manager at Kays & she told me to either go online or call the number on the back of my card. I emailed Sterling Jewelers on Saturday, XX/XX/XXXX to make them aware of the situation. Today, XX/XX/XXXX I received an email informing me that I needed to contact the CFPB, since they are unable to modify information being reported to the credit bureau.
Consumer complaint received 2017-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wife and I were victims of fraud committed by XXXX XXXX XXXX. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before XXXX XXXX XXXX my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (PA)

My wife and I were closing on a house on XX/XX/2020 at XXXX XXXX with Ally Home Loans. The day before I still had not received the final closing disclosure. I called Ally Home Loans multiple times and was told that they were " working on the final disclosure '' and that it would be available sometime in the next couple hours. Around XXXX they sent me the final closing disclosure with wiring instructions to wire the remaining money for the down payment. I wired the money to the escrow within 10 minutes of receiving the final disclosure. The day of closing, we did the final walk through of the home and then went over to the land transfer office for closing. The land transfer office then informed me that my wire transfer had not cleared yet or my loan was not funded. I called Ally Bank and asked why hadn't the wire transfer cleared yet. They said that wires are sent in the order they are received and that it would be done by the end of the day. I asked why the final closing disclosure was given to me less than 24 hours in advance if wires took this long to clear. He did not have an answer for me as to why the disclosure was given to me so late. We signed all the papers and still the lender wire and my bank wire had not cleared yet. I spent the next 6 hours calling both Ally Bank and Ally Home Loans trying to figure out the status of my wire and loan funding. Ally Home Loans apparently had messed and not funded the loan property for my closing. When I kept calling them I would get in touch with a general customer service representatives but when I was transfer to my " closing expert '' ( the guy at the lender in charge of closing ) they did not pick up the phone. When I asked to be transferred to any loan officer, I was told that " none were available to speak with me ''. Eventually we did get in contact with our closing expert around XXXX XXXX. He told me he was not sure if the loan would be funded today because the lender had messed up and needed a " XXXX XXXX XXXX XXXX ''. Once that document was signed our closing expert said he was transferring the loan to the funding department and he would call back if and when the loan was funded. Because of the lack of communication from the lender we opted to stay on hold for roughly 2 hours until we received the IMAD number which was provided to use around XXXX XXXX. During that time my wife was on hold, I was calling Ally Bank to see the status of my wire. I was told by one supervisor that she had contacted the wire department and they had placed my wire in the front of the queue and it would clear within the hour. An hour passed and the wire still had not cleared yet. Around XXXX XXXX, roughly 6 hours after we were suppose to close the wire cleared and we were able to officially close on the house.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Very old account been close seen XX/XX/XXXXXX/XX/XXXX Old charger off account I disputed in XX/XX/XXXX. 
The account amount went up and the open day change to 1, year 11months. When it should be 4-5years old collection account. Price keep going higher. Stop trying scam people out of money on very old charge off account
Consumer complaint received 2019-11-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

On XX/XX/XXXX I received a letter to my house stating that my former apartment complex The XXXX XXXX XXXX XXXX had sent me to collections ( Southern Management Systems ) for an overdue amount of {$120.00}. 
After speaking with a representative from Southern Management Systems, they told me that I would have to dispute it through them as well as speak to the apartment complex. I got in touch with the apartment complex and they told me that they could not speak to me about a former resident and that this had already been sent off to collections. Additionally, I had placed a security deposit down in XXXX when I initially signed my lease and XXXX  XXXX is claiming that since they were under different management at that time that there is no way for me to get this security deposit and/or have that money go towards this overdue balance they are charging me for. 
I went ahead and sent a letter to Southern Management Systems stating that this is a fraudulent balance and I had never gotten any information from XXXX XXXX about this overdue balance and this is an issue I would like to take care of in a timely fashion.
Consumer complaint received 2018-04-06
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. (CT)

I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Consumer complaint received 2020-10-23
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: ID Analytics, Inc. (NC)

This is a letter which I sent to SageStream LLC on XX/XX/2020. It summarizes the problem. 

SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : In XXXX, I was notified by XXXX XXXX  that we were denied a XX/XX/XXXX based on a credit scoring system used by your Company Sagestream. 

The correspondence from XX/XX/XXXX indicated that the reasons I was denied were : Days since most recent inquiry too short Not enough mortgage experience Length of time oldest bank revolving account has been established is too short Distance between prior residences is too long This information does not match up with reality, so I tried to contact you by phone and fax, to no avail. No human being picks up the phone at your company, and your fax machine does not work either. So I snail mailed in a written complaint on the form on your website. 

You wrote back on XX/XX/XXXX saying that my dispute with you was unclear. I dont know what was unclear. I am disputing the accuracy of the information in my consumer file. I want to know WHERE you obtained this information and what has been used against me. I want to know WHAT information has been used. I want to know my CREDIT SCORE and how it was computed. My XXXX   score is XXXX. 

Again, the information provided to me in XXXX letter indicates your system is provide FALSE information. 

I have since frozen my credit report with your company since I have not been able to resolve this with a real human being. 

FURTHERMORE, After I was denied credit, my husband, XXXX XXXX XXXX, XXXX, applied for a XX/XX/XXXX and XX/XX/XXXX, and he too was denied. On XX/XX/XXXX, you wrote him a letter indicating his credit score was XXXX. The reasons you cite in this letter, such as when the consumers SSN was issued compared to his peers and limited credit history do not line up with reality either. 

Your letter does not explain how you arrived at that score. He also is disputing the accuracy of the information in his consumer file. He wants to know WHERE you obtained this information and what has been used against me. He wants to know WHAT information has been used. He wants to know how his score was computed. Note his signature on this letter confirming that this is the information requested.

My husband and I both have FICO scores over 800. We take pride in paying our bills on time and have NEVER -- I repeat NEVER -- been denied credit cards.

( Cont. on next page. ) We expect that you will respond to these requests quickly given that almost two months have gone by without an appropriate response from your company.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-08-20
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 (CO)

On XX/XX/2020 I received an invoice for {$650.00} from Bank of America, XXXX XXXX XXXX, XXXX, DE  XXXX and XXXX XXXX XXXX, XXXX XXXX, TX  XXXX, and on the same date I sent a letter to both addresses in which I told Bank of America that I had never applied for or used any credit card with this bank. No response to this correspondence was ever received. 
On XX/XX/2020 I received an invoice for {$700.00} from Bank of America showing the same information, and the amount had been increased by a {$40.00} " fee ''. 
On XX/XX/2020 I received a letter from Bank of America about its decision to reduce the credit line on this fraudulent account that I did not apply for or ask for. 
On this date, XX/XX/2020, I have sent another letter by certified mail to Bank of America at the above two above addresses demanding that this billing be permanently terminated. 
Bank of America has violated the FDCPA and FCRA and other consumer protection statutes.
Consumer complaint received 2020-10-13
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: U.S. BANCORP (IL)

COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM ELAN FINANCIAL SERVICES THEY HAVE RECEIVED 6 LETTERS  FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT!

THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (NY)

I currently hold the bank 's XXXX XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the XXXX XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I became aware of these changes on or around XX/XX/XXXX. On XX/XX/XXXX, I contacted the bank at the 800 number listed on the back of the card and was referred to my banker for further discussion. My banker advised me that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not. 

In my previous experiences with other nationally recognized banks, a grace period would be extended following the billing of an annual fee to a card account. This provides the cardmember with some time to consider whether the product has been a good fit, and whether or not said cardmember is interested in renewing for another year. In light of the above changes which were not disclosed prior and for which adequate time was not provided for customers to consider, the very least that City National Bank can do is offer such a grace period to its customers.
Consumer complaint received 2018-04-06
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. (IL)

Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I lost my employment due to the Pandemic and country closure. I reached out and wrote XXXX which directed me to contact Synchrony. I wrote them several times and have been continuing to submit payments although it was very difficult to do so. Can you imagine im paying {$100.00} and only {$25.00} apples to my bill the stress im face with. As I await a response to my letter I am highly disturbed to be denied. I waited over a year and I understood because of the pandemic everyone worked from home but this can not be legal. I paid for insurance and when I needed the security I am being denied. It was a very difficult period in my life and while I struggling to maintain my minimum monthly payments I realized I was only being buried in high interest rates. This was very overwhelming to me not to mention I suffered from the virus causing me to quarantine on 3 occasions. I reached out to my credit card providers including XXXX ; to active my card insurance. I was ignored. My claim was never processed. Finally in XX/XX/XXXX when the mandated masked was lifted I was able to orally speak with someone in the card security department. I request my benefits to be active and adjusted to my initial claim period and was denied again. I continue to maintain the minimum payment although I struggle to care or myself and family. Its my obligation to pay my debt as I have insurance its Synchrony responsibility to honor my claim within a timely fashion ; not denied it 2 years later. 
I had insurance my claim should been approved I should be protect. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Legislation S.153/A.2382 Enacts The Consumer Credit Fairness Act, Which Would Address Abusive Debt Collection Practices Legislation S.4823/A.3359 Prohibits Utility Companies From Harassing, Abusing, or Oppressing Customers Connected to Residential Customer Complaints Legislation
Consumer complaint received 2023-02-06
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. (TN)

In accordance with the FCRA, accouXXXX 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  AND XXXX BANKRUPTCY has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-27
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. (TX)

No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.
Consumer complaint received 2023-01-29
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. (MO)

My first savings credit card balance is being improperly reported on all XXXX bureaus. My report shows a balance owed of {$470.00} but my actual XXXX is {$4.00} see attached doc.
Consumer complaint received 2022-04-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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 a account without my written instructions