davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made many complaints with Consumer Financial Protection Bureau. One complaint was with XXXX XXXX, XXXX, and Transunion who unlawfully accessed my credit report without my permission that led to two forgery and fraudulent auto loans. I have repeatedly requested the permission used to access my credit AND XXXX XXXX still refuses by labeling the complaints as duplicates. They send an incomplete application as evidence that they accessed my credit lawfully. It is attached. This application simply states at the top that INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. Can XXXX XXXX, XXXX, and Transunion read? If this complaint is being reviewed by an overseas country that has language barriers ; I demand they send this complaint back to the US for review. XXXX XXXX will ignore this complaint by simply labeling as a duplicate complaint. Therefore I expect Transunion and XXXX to adhere to the FCRAs requirements If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. Does Transunion and XXXX  understand this requirement of the FCRA? Can Transunion and XXXX read the attached application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can XXXX  and Transunion read at the top where it states that incomplete applications will not be processed? Can Transunion and XXXX  see where it is not dated? Can Transunion and XXXX  examine the application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can Transunion and XXXX verify the application for completeness and accuracy that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Will Transunion and XXXX  assume the responsibility given by the FCRA and remove the XXXX XXXX listing from my report? I received the attached LONG form response from XXXX  that totally misses XXXX XXXX and mind numbing. Transunion and XXXX continually asks XXXX XXXX to verify the attached application which is incomplete. Can Transunion and XXXX  verify since XXXX XXXX will ignore label this complaint as a duplicate?
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

1 ) I have sent letters to the credit reporting agencies : Equifax, XXXX, and XXXX, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Consumer complaint received 2021-02-04
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. (SC)

So I signed up for Experian credit works and got an alert about an alias and two addresses attached to that alias that doesn't belong to me. Upon checking my credit I don't see any unusual things but I want to make sure they haven't committed anything
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? 

Thank You, XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (OR)

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX po box XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX To whom this may concern, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : Caine & Weiner has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : Caine & Weiner has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge protect consumer rights and thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MN)

Hello, I did not apply for a jcpenny card at anytime. The balance is XXXX but I did not have a JCPenny card. Opened in XXXX. I want it removed from my report! It was opened over 10 years ago and it was not by me. Thank you!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

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.

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 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 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 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a small landlord and occupy one of the units in my 5-unit building in XXXX XXXX CA. My day job is XXXX XXXX XXXXXXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
Consumer complaint received 2021-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Im trying to get a derogatory mark off my credit report because XXXX did not listen to my claim that someone was using my identity to open XXXX accounts. The opened accounts are now in collection and has affected my credit score. I have allay filled a police report and they still did not do anything about it. They just care about opening accounts. 

Credit reporting companies are not helpful and I can not get a hold of them to fix it. 

Im also unable to contact the collection agency.
Consumer complaint received 2017-12-26
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. (FL)

Experian is reporting an address that i have never lived at. I disputed the address and it remains. I am not able to submit dispute any longer. Please see below the address is occupied by a Law Firm. this is Not a Residence. 

XXXX XXXX in XXXX, FL | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL https : XXXX Kel Attorneys XXXX XXXX, FL -- XXXX, Phone Number, Reviews, Photos and Video Profile for XXXX FL XXXX XXXX. XXXX XXXX appears in : XXXX Services. 

Requesting that the address be deleted as I Have Never Lived at this Address.
Consumer complaint received 2024-03-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (TX)

I received a call about a debt from a XXXX XXXX debt collector a month ago stating I owed {$970.00} for a world finance loan in XXXX Texas. I had a loan for {$1000.00} that I opened XX/XX/XXXX & paid it off XX/XX/XXXX. I did not get any other loans after paying that one off. I have asked for proof that this loan was approved & signed by me but have not received any information. I have asked twice from world finance & now XXXX  to mail me the documents to support this loan allegation & still have yet to receive anything. Im concerned about foul play at the world finance office I had gone to prior due to their being an employee who certainly was not a fan of mine outside of work. Please help with this. Its effectively hurting my credit. Still.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

I received a letter from Synchrony Bank thanking me for my recent application, but additional information is needed to process my credit card application. On XX/XX/2019, I notified Synchrony Bank I did not apply for a Stein Mart credit card. The representative I spoke with stated she will close the application and remove the inquiry from my credit file. Unfortunately, this process was not completed by Synchrony Bank and the inquiry remains on my credit file.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an email at XXXX on Tuesday XX/XX/XXXX stating my Bank of America Checking account had been overdrawn. 

Upon logging in to my checking account I noticed that there were not 1 but 5 overdraft fees for the amount of {$35.00} each. 

I was immediately connected to a customer service ( XXXX ) representative who instantly placed me on hold for about 20 minute returning only to say she could refund 1 fee. 

I asked to speak with her supervisor ( XXXX ). He explained that my account was set to notify me when my account was below {$25.00}. 

Without being notified my account Had {$820.00} and ended up with - {$500.00}. 

A NEGATIVE BALANCE IS UNDER {$25.00}. Bank of america disagrees. 

Upon being notified I immediately transferred {$1300.00} into my account to help resolve the situation. 

Being a BOA customer since 2004, they still said there was nothing I could do and this was my fault.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HAWAIIAN, INC. (CA)

First hawaiian bank is showing a late payment in XX/XX/XXXX / XX/XX/XXXX and I do not recall being late on auto loan. Being soo close to the drop off date I am requesting to see if they could kindly remove this remarks off my credit report
Consumer complaint received 2017-10-04
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. (FL)

Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I received a call from Bank of America to verify purchases of {$5500.00}. Since these were not my charges they cancelled my card and issued me a new one. BOA credited my card the full amount. Included in the {$5500.00} amount was a {$1200.00} purchase from XXXX XXXX. On XXXX  BOA charged my credit card back the {$1200.00}. On calling the fraud dept. I was told that XXXX XXXX had provided information confirming I had received the merchandise. I requested copies of XXXX XXXX 's documentation and was advised to send a fax to BOA stating this was not my transaction. I faxed this on XXXX. Since then I have called many times and all I get back is a standard form letter repeating that I made the purchase. The last letter I received was XX/XX/XXXX. My lawyer faxed them a letter XX/XX/XXXX requesting copies of XXXX XXXX 's documentation and has not received a response. 

claim # XXXX
Consumer complaint received 2017-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am attaching a copy of the letter I mailed to XXXX, Experian, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I filed a dispute for charges that were made on my Chime debit card account that I had not authorized. The amount that was Taken out of my account was {$890.00}. Chime was told during this dispute that I knew where the charges were made and I also knew who made them without my consent. The charges were made by my underage son playing games on my computer while I was at work and charging the coins to my debit card that was on file with the gaming company! I in no way gave him permission to do this and there for it was not authorized or approved by me! I tried to contact the company of the website where the debit card was used and they refused to issue a refund even though the charges were made by an under age child! After all of this was explained to Chime they still decided to deny my claim. and refuse to get me my money back. I have since told them I was filing a complaint on here and they are reopening the case but I am not very hopeful or confident in them doing the rite thing! It is sad to think that the bank you bamk with like I have for many years now fails you in such a way and states there doing an investigation when there was no investigation to be done! They were told from the start how it happened and who did it! There should be no reason for it to not be fixed and in a timely manor because there was no investigating to do! 


Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$890.00} Date Claim of Dispute was denied : XXXX
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

In XXXX of XXXX I lost my job and fell behind on alot of my accounts. Finally on XXXX XXXX XXXX, I paid off all my accounts. On XXXX XXXX XXXX Synchrony Bank sent me a letter stating that they were closing my Care Credit account basing their information on a XXXX XXXX XXXX Credit report which would have been outdated at the time. This does not seem fair.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio recovery services is trying to collect {$280.00} and is reporting the account to my credit report as open this is clearly a violation of 15 USC 1681. The information is inaccurate as well as the opening date of the account.

I have not received the validation letter or a purchase agreement and they need to report this account as close to all my credit bureaus.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Card Services XX/XX/XXXX Inaccurate accounts account ending in XXXX and account ending in XXXX Misleading Information as it shows on their XXXX and XXXX letters, attached On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail On their letter dated XX/XX/XXXX XXXX Chase UPDATE We will stop contacting g you about this account by phone and mail Chase Card Services, continued communicating by mail on XXXX harassing me and inconsistent as per their letters on XXXX This is a violation Chase Card Service and a continuously XXXX I request an account close letter for account ending XXXX and account XXXX And to provide me full account number for account number ending XXXX in and full account number ending in XXXX ASAP