davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (OR)

On XXXX XX/XX/2022, TransUnion reported XXXX XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony has unethical practices by lowering credit limits to good paying customers. I contacted Synchromy on XX/XX/XXXX to request an explanation as to why my account limit was lowered negatively affecting my credit score. Agent was outside of the US and couldn't understand me and transferred me to an agent in the US. Agent in the US offered to close my account which I did not agree to. A month later I received a card that my account had been closed.

I contacted company on XX/XX/XXXX and XX/XX/XXXX to get a response as to why my account was closed. Both agents stated that I had requested to close.my account. However, I never agreed.to have my account closed. When I had previously called synchrony I discussed with agent option to close, but never agreed to close account because call.dropped. synchrony closed my account without reading the appropriate disclosures to me or getting my statement recorded. 

This company has negatively affected my credit after I have been a good paying customer. Their practices as harassing and deceptive.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MS)

Chase bank cut the limits on my credit cards when I had made no late payments and was not at the credit limit. I had not used the cards in several months and was making regular payments to pay them back down. I called Chase to ask why they did this. I spoke with a CSR who called herself " XXXX. '' XXXX asked me where I was using my cards and why I used them so much in the recent past. I didn't see this to be any of the bank 's business ; however, I explained to XXXX that my husband and I had bought a house a year ago and we were using our credit cards to purchase furniture and make some necessary renovations to the home. I was also taking care of my mother, who has XXXX XXXX, and was not able to work full time for a while. She is now in assisted living and I am back at work full time. XXXX wanted to know what my " payment plan '' was to pay the cards down. I tried to explain to her that I was not using them and am making regular payments to pay them down. The balance has been going down over the last several months. I do not feel it was appropriate for this woman to ask me where I was using my credit and why. I understood that the credit was there to be used, and I am being punished for using my credit. Again, no late payments and balance not over the limit. She refused to reinstate my credit limit. This is affecting my credit score and I want me credit limit to be restored, not to use the card, but to get my credit score back where it was until this bank lowered it tremendously.
Consumer complaint received 2022-04-28
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: SYNCHRONY FINANCIAL (FL)

My ex-wife filed for bankruptcy in I believe, early to XXXX -- we separated in XXXX and divorced in XXXX. Months later I noticed a delinquent account on my credit report to Synchrony Bank for a " Care Credit '' charge account. I contacted Synchrony about this and they claimed I was on the account. I stated I was not, and even my ex-wife states to this day that I was not on the account. When I protested it, Synchrony sent me a claim review letter that stating I was on the account because " Payments have been made by me on this account '' and " The account has been open for more than 12 months with statements sent to you. '' Both are false -- I have never made a payment to this Care Credit account, and I never once received a bill. In fact, the first mail I received from them was that claim waiver, and it was addressed to " XXXX XXXX, '' so they don't even have my proper name and I have never gone by that alias. Also, I have now and in the past had four Synchrony accounts, and have never been late on one of them. Why would I suddenly stop making payments if the account was mine. And, I can see every account with Synchrony with my login online, but yet the Care Credit account does not show there.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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. 

Account name XXXX 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 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 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I have a credit card with Bank of America I signed up for auto payments prior to paying off my balance. After paying my balance I had a credit of {$150.00} which I was just sent a check that I had to request. 

The clerk that issued the check at BOA, did not turn off the auto pay and another {$150.00} was taken from my account even though I had a {$0.00} balance. 

The first call I made regarding this matter was XX/XX/2022. The first person I spoke with regarding this second autopayment that was taken, said she would try to reverse the charge back to my account or send me a check which she did neither. 

I called Bank of America again on XX/XX/2022 at XXXX XXXX central to have the check released for a second time and this time they refused. They said I could not be authenticated. 

Not sure why not they sent me an email to the email they have on file XXXX, I called from the telephone number they have on file my landline XXXX. I provided them my Social Security number and the last 4 numbers on the credit card account number. They said because I do not have my card and could not give the the 3 digit security code they are refusing to release my money, nor will they allow me to speak with a Supervisor to resolve this issue they said it's against BOA policy. I was told I need to go to a BOA location and provide 2 forms of identification before they would talk to me and release my money, a check they would mail to my home which is the same address they have on file. 

Also the person servicing me would not give me his name when I called on XX/XX/2022 at XXXXXXXX XXXX 

My question is how can a credit card company be allowed to take money when from a person 's account when they have a {$0.00} balance and refuse to refund their money because I lost my credit card even though they were able to validate me?
Consumer complaint received 2021-05-24
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: CL Holdings LLC (CA)

Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.
Consumer complaint received 2018-12-08
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 been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.
Consumer complaint received 2021-09-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$1400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :
Consumer complaint received 2021-04-29
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. (TX)

Attached is latest proof of my claim of fraud. Previously, I have disputed items on my credit report due to identity theft for over 4 years. I had sent arrest and felony conviction information on the person listed in my XXXX Sheriffs report. Today, I am sending my supplement to the sheriff 's report I made in XX/XX/XXXX. I am sending previously sent documents but sending again for your convenience. I hope I am doing all that is right since I have never been in anything like this. I am sending the supplement to XX/XX/XXXX Sheriffs report, The XX/XX/XXXX Sheriffs Report, XX/XX/XXXX Judgement of Conviction on XXXX XXXX XXXX, Mississippi charges on XXXX XXXX XXXX ( Notice she also listed her name as XXXX XXXX ), Alabama Charges on XXXX XXXX XXXX. 
Please remove XXXX XXXX from my credit report :
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Upon checking my credit report I noticed inaccurate personal information such as : aliases variations of my name misspelled and inaccurate or old addresses still on my credit report please remove all other variations or my name or address that dont match my information on my California drivers license thank you
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc. (FL)

Hello, my name is XXXX XXXX. I am reaching out about fraud on my credit in the amount of {$2900.00}. The problem is with SOUTHERN MANAGEMENT SYST - XXXX XXXX XXXX  XXXX. I moved out a few years ago due to black mold. I informed management about the mold multiple times, and they did nothing. The grout, drywall, and framing was full of black mold to the point where it made me sick. They would come paint over spots where the mold came through the drywall from the back with REGULAR paint. This is obviously not enough to fix mold behind the drywall or in the wood of the frame ... I moved out without paying the last few months of rent because FL law states that a landlord must provide a livable environment in order for the lease terms to remain valid. I ran air tests of multiple types, all of them came back showing toxic levels of airborne spores. I have tried to contact them multiple times about this. I never curse, I am polite, I let them talk. I just want to get this resolved because it affecting my credit & it was blatantly wrong. The office people are rude at XXXX XXXX and SOUTHERN MANAGEMENT SYST hang up on me as soon as I bring up mold. Both companies/entities are awful & I am not the only one having these problems. A quick XXXX search will easily show that they have done the same to dozens - if not hundreds of other people. The fact that the company hasn't been shut down, and XXXX XXXX hasn't been torn down is horrific. I need help getting this resolved properly. Thanks!
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newman & Marquez, P.A. (FL)

In XX/XX/XXXX I moved to XXXX for a XXXX XXXX after college. This was a big change and didn't have a physician, doctor or anything. So in XX/XX/XXXX I went to an XXXX XXXX in XXXX. The documents attached will give you all of the information. I went to the XXXX XXXX to find a new doctor and more information because I was trying to set up my life and all of that. Well I went to the XXXX XXXX in XX/XX/XXXX, and after two hours saw the doctor and she handed me a script and left. I decided to never go back there because it was very dirty and these places aren't too pleasant. Initially, I rarely remembered seeing the doctor. THEN TWO YEARS later I receive a medical debt collection. First I didn't remember this because I went to a new doctor right afterwards. After remembering, I was like is these even fair? I never received any bills or anything. Even when I moved all my mail was forwarded to me. I never had this problem. So instead of contacting me over the two years, they sent my bill right to debt collections. Is that legal? XXXX XXXX had my phone number and email. Then I never received anything in the mail. They never contacted me. Everyone I went to and XXXX XXXX I paid before my visit. But after two years I couldn't even remember.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Discover Bank account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, Capital One notified me via email of a transaction from XXXX XXXX ( my landlord ) in the amount of {$6500.00} that was submitted and rejected on XX/XX/XXXX. According to my balance on XX/XX/XXXX, I had {$8500.00} in that specific account. The landlord 's ledger also showed that the transaction failed on XX/XX/XXXX. 

Because the transaction was rejected despite having available funds, my landlord has begun the eviction process and charged a {$300.00} fee as a result of late payment. I reached out to Capital One over the phone on XX/XX/XXXX at XXXX XXXX  ET and offered to show them the balances they said I had, as well as a screenshot of the ledger from the landlord and to credit me the {$300.00} fee but they said there was nothing they could do. 

I had enough money to cover an essential transaction, Capital One rejected it, and is taking no responsibility to help remedy the situation.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( BANK OF AMERICA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I had my car loan with XXXX XXXX for 72 months, but after my payment number XXXX, the pandemic hit and I asked for a extension of 4 months and they agreed, so I started paying again the number XXXX in XXXX XX/XX/2020, at the end of my payment number XXXX, they told me that I had to pay 4 more months, and i said how since i already paid 72 months! so they started trying to collect and I paid the extra 4 months because I didn't want problems with the collecting agencies and my credit score.
Consumer complaint received 2022-04-28
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. (TX)

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 XXXXXXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 a account without my written instructions.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.