davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card from SYNCBXXXX 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 SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCBXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-04-03
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 a credit card from XXXX 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 XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (MS)

On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OR)

My complaint is against Amerihome Mortgage. I purchased a home last year, within months Amerihome had purchased my mortgage on the secondary market.

Almost immediately Amerihome stated that I had an escrow shortgage, and increased my monthly payment. Very odd since it was a brand new loan. In the explanation from Amerihome I noticed they planned to disburse my property taxes a month early, which was not how the original lender calculated my escrow.

My first call to look into this was nearly 45-minutes, when someone finally answered the person told me that they were severely short staffed, and that they were actually a tech help desk person just helping out for the day. They said they had no idea how to answer my questions and directed me to call back another day. 

I called back another day and made it through another 45-minutes of menus and holding, only to have the call dropped by them. I called back, and after maybe 20-minutes got a person. This person told me that the escrow was what it was, and that there was nothing he could do. He could not explain why it changed, even though it was a new loan.

I accepted this, and let it go.

Several months later I take out another loan on a different property. Once again Amerihome purchased the mortgage on the secondary market. And now three months later theyve raised my escrow again! 

It seems odd that theyve purchased two of my mortgages within a few months, and raised the escrow amount on both properties. 

Are they doing this to other people? It doesnt seem right that they are able to purchase a brand new loan, and then change the terms.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc. (AR)

XX/XX/2024 I am unaware of this alleged debt that the Eastern Account Systems stated I owe them in the amount of {$90.00} that I supposedly opened with them XX/XX/2024. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a credit card from XXXX 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 XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-05-05
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. (CA)

I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.
Consumer complaint received 2022-04-03
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 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 XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I am writing about the Coinbase fraud that was committed on my account. The fraud was committed on XX/XX/21 where my digital coins were sold to USD then transferred out to another XXXX account. 
The unauthorized XXXX transaction happened on XX/XX/21 Friday morning at XXXX PT in the amount of {$3200.00}. The money was sent to a XXXX email account at " XXXX ''. 

I have filed police reports, reported this action to the identity theft org, and now am planning to consult legal help.
Consumer complaint received 2021-05-05
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. (CA)

I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.
Consumer complaint received 2020-11-22
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: TD BANK US HOLDING COMPANY (GA)

The complaint is about TD bank and XXXX XXXX. On XX/XX/2020 XX/XX/XXXXand XXXX XXXX XXXX moved me out of XX/XX/XXXX to XXXX XX/XX/XXXX. After nine days I didn't hear anything from the moving companies. I called them to find out about my belongings I was told " they don't know when you're going to get your stuffs ''. I called the bank companies to put a stop on the payment. After a month they put the charge back into my accounts. Then two months later, the moving companies used again my account to get the money and the banks had sent me a letter to let me know that they reversed the charge in favor of the moving companies without my consent. 
Now the moving companies have the money and my belongings on hands. I present the case to you to see in order to get your help.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am unable to get any form of loan or credit because transunion is saying I cant for a reason they wont disclose. I tried to get my free credit report online. could not verify my identity, tried many times. I then looked for an email to talk to them. they don't have one. so i called them up, they could not verify me with an automated system and the automated system hung up on me instead of putting me through to a person who could help. this is extremely stressful as I cant get any form of credit and transunion refuses to offer ways to talk to me. my last option is mail and I don't own a printer. I have a XXXX and this is making this so hard to figure out why I'm getting rejected for unknown reasons. Transunion will not give me my credit report based on my factual and true identity. I have tried to talk to them but they offer no way to talk. They also tried to make me pay for my credit report and made the free report hard to find. I am extremely frustrated and don't know what to do, i feel like i'm being harassed by this company who are blocking me from getting info on why i'm being rejected. when i input my info correctly its up to them to use that info and get my identity, if they cant do that, they are doing their job wrong. if i gave them a rating on how well they did it would be 0/10. I tried going to other sites but they all require transunion to do their job, which they fail at.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (GA)

I am a XXXX  credit card that declines my poaches whenever they feel like it I have reached out movies times to customer service Web and manager with no spin nation I should be able to use my card that I am paying interest in payments on without being declined and not given a reason for being declined this has been a huge inconvenience for me my family have never been late on any payments I am angered standings And I am not receiving the help or answers that I should be from a credit card company reached out to pre approved down to me Baby put an accurate information as well I pay the invoice before the due date and data summit that payment into after I believe that this is a way of XXXX gaining interest on purchases have been paid for already Credit card companies times and sensitive to the needs of the people only taking about the bottom line in the $
Consumer complaint received 2017-12-20
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. (FL)

I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I recently sent them a letter on XX/XX/22 and I have not received an response from them. There is an account that I do not recognize, and I have asked to investigate this account numerous times but have not received anything from XXXX, XXXX, XXXX XXXX or I C System. I was incarcerated when this account shows it was opened. I'm not sure if someone else opened this account in my name or what but this is not the only inaccurate information on my report.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2020 Synchronic bank close more than 9 open account in good standing, no missing payment, and less than 15 % of utilization, My credit score is around XXXX, Fico XXXX, 100 % of excelent payment history for more that 11 year. 
Very desapointed, now I have negative impact for that reason. 
My name is XXXX XXXX I though that bank is solid, but I was wrong. 
Thank you for the opportunity My email is XXXX XXXX
Consumer complaint received 2017-12-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Credit card account from USAA has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this USAA and to come to an understanding to resolve the issue. A resolution has not been met. USAA has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. 

I do not wish to establish any credit card account with USAA. Please see attachment regarding unsigned authorization to re-establish the account on my credit file.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Financial provides credit services for the following business I secured credit from. 
XXXX XXXXXXXX XXXX XXXX XXXX - Synchrony Initiated close XXXX XXXXXXXX XXXX XXXX XXXX - Significantly reduced to {$300.00} ; XXXX without notice XXXX XXXX XXXX with a XXXX XXXX XXXX  In XXXX without warning they dropped my credit limit to XXXX resulting in an overcharge on my account and a reduced XXXX XXXX of XXXX points XXXX XXXX {$600.00} XXXX XXXX  XXXX initiated closing the account XXXX XXXX XXXX  new store credit account {$9000.00} My concern is regarding my credit score. The irresponsible actions they took regarding the lines of credit they provided initially has cost me XXXX credit points. 
Credit card calculations include Payment Record Public Financial Proceedings- ie : Cancelled debt, bankruptcy 's ect Credit usage ratio to awarded credit. 
Actions taken by Synchrony has created a negative impact on my credit rating as I paid off all credit cards with an active XXXX while maintaining a balance for the credit cards with introductory 0 % XXXX as I approach the expiration of the introductory rates.