davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )
Consumer complaint received 2021-09-07
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: SYNCHRONY FINANCIAL (FL)

Synchrony Care Credit would not remove a transaction that i did not received. I believe Synchrony Care Credit are only in the best interest of the doctors and not helping me resolve a dispute on a service transaction that i did not received
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: LL Capital Partners II, L.P. (GA)

On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX motorcycle from XXXX XXXX Before finalizing the lease, an agent from XXXX XXXX ( acting on behalf of FCG ) expressly represented that FCG would report payments made towards the lease to the three major credit bureaus on a monthly cadence. In consideration of the agent 's express representations, I signed and executed the lease agreement. As of this writing, Fuel Capital Group has not reported the payment history on my lease to XXXX, XXXX, or XXXX XXXX. I have reached out on at least four separate occasions to inquire about credit reporting on my lease, and each time an FCG representative told me that credit reporting was " coming soon. '' It has been two months since my last inquiry, and credit reporting is still not happening. A cursory review of complaints against FCG reveals that they have been promising credit reporting on other lease agreements for years and still have not delivered.

It's clear that FCG has engaged and continues to engage in a pattern of unscrupulous business practices that exploit individuals seeking to establish or rebuild their credit history. Their actions constitute fraud in the inducement and violate statutory and regulatory consumer protection laws.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (NJ)

I received on my credit report a collection for XXXX XXXX. I called the collection agency numerous times to tell them this debt was paid. They keep saying it was n't and send me all my XXXX XXXX bills. This account was paid when I was gong to put XXXX in my home and XXXX XXXX told me I had to take care of this bill before I can get XXXX in my home. So I agreed to have two bills one for XXXX and the other to pay the XXXX XXXX bill off. I finished paying this bill off a long time ago. They refuse to take this off my credit report.
Consumer complaint received 2017-09-28
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: JPMORGAN CHASE & CO. (MT)

XX/XX/XXXX16- Chase Credit card unsolicited inquiry to my credit I want to delete this inquiry from my credit report. I didnt ask for credit in the company
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (PA)

I tested positive for XXXX the end of XXXX and it caused a lot of medical issues for me, and I could not work. I was receiving STD through my employer for 6 months, but that ended the beginning of XXXX. I am no longer employed because my employer did not provide accommodations for me to return part time or from home. I am unable to work full time still because I am still dealing with debilitating medical conditions. My insurance through my employer ended in XXXX. I explained to Mariner Finance that I am not on STD anymore and I am not receiving unemployment or XXXX yet. I an still waiting to hear back. I called and explained this to Mariner Finance and they were very rude to me and did not work with me. They said I need to fill the XXXX form out, but I am not longer on STD nor do I have insurance. It is not my fault that this pandemic happened and I got sick. AND it is also not my fault that I am unable to work. I do not appreciate being treated this way. I feel very discriminated against.
Consumer complaint received 2021-09-07
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: SYNCHRONY FINANCIAL (NY)

Synchrony Bank reports to XXXX as 16 months late, they say that it is charged off, but they report monthly as late. I would like to resolve this account and settle this debt which is Paypal Credit. However Synchrony does not want to deal with me as they tell me that they have charged off my account. They told me to call XXXX ( XXXX.XXXX ), which I did. have a settlement offer attached. However XXXX tells me that they do not report to credit bureaux, only Synchrony Bank does. I want to make monthly payments until the settlement is paid in full ( {$680.00} out of {$1300.00} ) while showing that I make payments as agreed. Synchrony told me that they will continue reporting to the credit bureaux with additional late reports instead of writing that payment is made monthly as agreed, which will further damage my credit. When I told Synchrony Bank that I would file a complaint because this is not fair reporting, they tell me : Go ahead.
Consumer complaint received 2020-11-25
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. (TX)

Account Disputed : XXXX XXXX XXXX Date Disputed : XX/XX/2020 and XX/XX/2020 Reported Balance : {$990.00} I disputed this collection account with Transunion that they should remove or delete this collection from my credit profile since they could not provide physical verification of original signed consumer contract that I had with the reporting company. Instead it came back verified without any physical proof.
Consumer complaint received 2022-03-10
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: Bread Financial Holdings, Inc. (IL)

On XX/XX/2022 I notified Comenity about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report in my name. They responded that it is Comenity 's policy to comply with all applicable law and regulations, federal law supersedes policy. They are unwilling to remove the account from my report despite my request pursuant 15 USC 1681b ( XXXX ) which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. There is no way Comenity is in compliance with the FCRA if they have not received written permission from the consumer to furnish a report. Per federal law, that is the only way a report can be furnished. Also The FCRA 15 USC 1681 602 ( b ) says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. Comenity 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( XXXX ) ( 604 ).
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I permanently lifted my credit freeze with experian on XX/XX/2021. This was confirmed in writing by Experian, a notice which was mailed to me via US postal service. Yesterday, I was unable to lock in my my refinance rate because Experian re-froze my file. I never asked to put another freeze on my file. 

I mailed my request to Experian requesting Experien reinitiate my original request to unfreeze or life my freeze. I've tried calling and emailing, but there are no persons able to respond timely.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (VA)

In mid XX/XX/2021, I attempted to send money thru Early Warning, LLCs Zelle inter-bank transfer vehicle to pay for a service. I was told the transaction was blocked. Upon further inquiry with my Bank ( XXXX XXXX XXXX XXXX ) it was revealed that a previous remittance to my niece had been flagged as association with fraudulent activity or organization, and as such anyone connected to the individual had been permanently blocked from using the service. I asked my wife to use our other bank ( XXXX ), to complete the transaction. She was also blocked because she is associated with me. 

All this, without any explanation from Early Warning, LLC or recourse to clear my name. My bank said the offense was so egregious, that they couldnt help me and that I should find other money transfer organizations to work with. This practice is not only inconvenience but humiliating to an honorable consumer. As a former XXXX XXXX XXXX, it is plain embarrassing. It is also irresponsible for EW and Zelle to be a public entity and yet behave in this cloaked operation. I request a direct explanation and also be given the opportunity to clear my good name. 
XXXX XXXX XXXX XXXX XXXX Thank you.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (ID)

I was applying online for loans and I got an email saying that I was approved and it said from 2000 to {$5000.00} it gave me alone code I talk to somebody on the phone and gave them all of my banking information and he said that he they had to deposit money into my account and then I had descended back to them so they could verify my checking account and when I asked them if it was a scam he said it was not a scam and hung up on me and now every time I call the number it just disconnects they do not answer This happened today XX/XX/XXXX and about XXXX XXXX and it's They have not taken any money yet I wanted to report it I'm not sure if they will his name is XXXX XXXX phone XXXX
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my information, which put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

We sold a car XXXX XXXX back to Carmax. They offered close to what was due on the loan, XXXX XXXX paid the difference ( under {$10.00} ). 
There was a XXXX remainder refund. 
We were told by Carmax corporate that the XXXX  location of carmax released the money to XXXX XXXX XXXX. 
They sent a check then stopped payment saying it was the wrong lienholder. 
the car was refinance through XXXX  XXXX XXXX, but we were told it stayed with original lienholder. XXXX  XXXX XXXX is researching but we believe its XXXX XXXX who has the money. 
please contact XXXX XXXX auto fiance and carmax to find out who has our refund. 
if they continue to sit on it we want interest or additional money added to my husband XXXX XXXX XXXX payment.
Consumer complaint received 2021-09-07
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 fraudulently added things to my report without my prior written consent .I demand to see the written consent that I gave equifax to report the listed inquiries on my report .no consent is identity theft .You are in violation of my right to privacy and are in violation of fraud for fraudulently reporting the following things on my consumer report without my written consent .I demand to see written consent.
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

Navient applied a deferment to my XX/XX/XXXX loans without my consent and now refuses to remove it. They are XXXX me out of qualifying payments towards Public Service Loan Forgiveness. Have tried multiple times to get them to understand my situation and have requested they put all my loans back into repayment. Their representatives give false and inaccurate information. I graduated in XX/XX/2018 and should have my graduate loans in repayment status.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (GA)

I have been receiving numerous collections calls for {$510.00} XXXX which are inflated move out costs from my old apartment complex which I paid in XX/XX/XXXX. ) XXXX XXXX XXXX  inflated my bill, had my balance at {$0.00} u til I called just to verify at the end of XXXX. 

I was issued a bill by XXXX in the leasing office for {$510.00} which I paid within hours ( to be sure I would stay in good standing with the housing authority. I knew the costs were inflated but because of the complexs business practices, I wanted to pay and hope for rectification later. 
The apartments sent me to collections on XX/XX/XXXX despite me already paying. I believe its partly in retaliation to me leaving a truthful u flattering XXXX review and them being biased with regards to housing recipients. 

I have been and am STILL receiving unwanted and unwarranted collection calls from XXXX XXXX even after providing proof of payment of the debt which is invalid to begin with, Ive still been rudely and aggressively harassed.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (WI)

I have unemployment card with US Bank Reliacard and they randomly lock my card I sent them my ID Ive been calling every day every time I call I get different stories no help they very rude I wrote down every conversation and recorded every conversation they unprofessional bad enough I have to wait to get approved for my unemployment and now my card locked im behind on bills I have a 15 day evection notice they dont care I cant get no help sincerely unhappy XXXX
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (TN)

All of the above. 
XXXX and experian continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which  claims its about " fairness ''. Theres nothing FAIR about it.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (FL)

Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WI)

I have been able to resolve my 2 CD issues however they still are with holding 2 Ira that I was the benificary on. The account have already been change to me but they are saying he is still the owner. 
I have been working with XXXX XXXX XXXX to get the funds transferred there but they are getting no response as am I.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One Bank has my current balance owed as {$290.00} and the balance owed is actually owed is {$170.00}. I closed the account because they kept charging fraudulent fees to the account. My credit line was {$300.00}. When I closed the account my balance was was {$170.00}. I told Capital One Bank I would not pay on the account until they corrected balance owed to {$170.00}. I want an investigation into this Corrupt Business and I want my Balance corrected to show that I owe only {$170.00}. XXXX XXXX XXXX
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a Bank of America XXXX XXXX Signature Visa card making my first charge on XXXX/XXXX/XXXX at which time I was awarded a credit line of {$17000.00} and immediately charged a {$75.00} annual fee. Very shortly after my first account statement dated XXXX/XXXX/XXXX and prior to my very first payment due date of XXXX/XXXX/XXXX the bank without any warning whatsoever and without me ever having a late payment and without me ever going over my stated credit limit at any point the bank suddenly closed my account without my permission on XXXX/XXXX/XXXX. This not only results in the bank pocketing " effectively stealing '' my {$75.00} annual fee it will show them as churning accounts and greatly scar my credit as it will show an account that was just recently opened by me as being closed against my will, which will also greatly impact my credit score going forward. This is inexcusable as this account is and always has been in good standing as I make all my payments on time and have never gone over the credit limits stated on this account. Not only that all information used to open this account was 100 % true and factual so Bank of America has no right whatsoever to have done this to me. I expected this card to be a long-term useful rewards card as it carries with significant advertised mileage benefits for XXXX XXXX
Consumer complaint received 2019-03-04
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. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Unknown : XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX