davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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)

I noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (PA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX  XXXX XX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXXXXXX XXXX, XX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( Collection ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my name XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions. 

Please remove from my report.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Previous balance on a XX/XX/XXXX statement was {$3700.00}. I made XXXX payments. XXXX for {$1000.00} ( XX/XX/23 ) and the XXXX for {$400.00} ( XX/XX/23 ) before the billing cycle ended. The interest charged was {$46.00} for a XXXX day bill period. On the XXXX page of the bill it states how the interest was charged. They calculated the interest at {$3200.00}. This makes XXXX sense in that my payments before the end of the billing cycle was {$1400.00}. If I subtract my previous balance with when they calculated my interest for the billing cycle it only comes out to {$480.00}. This can not be right given how much I paid on the card during the billing cycle. I called the company ( obviously a call center in XXXX ). The girl on the other line had XXXX idea what to do or say and was mostly just reading off what sounded to be a script.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( Collection ) - XXXX XXXX, Account # XXXX ; {$3000.00} ( Transferred ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX XXXX XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my name XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my report.
Consumer complaint received 2024-02-22
Product: Credit 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: Bread Financial Holdings, Inc. (AZ)

Comenity Capital Bank credit card was opened from the XXXX XXXX by a company " IXXXX XXXX XXXX '' that was doing business as XXXX XXXX XXXX XXXX. Card was opened and charged {$4500.00} while we were on vacation in XXXX XXXX for a " membership '' in XX/XX/XXXX. 
We found this " membership '' was fraudulent upon returning to the XXXX from XXXX XXXX, starting XX/XX/XXXX to XX/XX/XXXX. We were not given full written details of this membership until that date of XX/XX/XXXX. After learning that the membership was nothing like we agreed with the original sales representative, we asked for a refund and to cancel this membership. This is when we were told that there is no option for refund and no option to cancel, unless we didnt continue paying the monthly price for this membership up to the full amount of {$22000.00}. This is why we disputed the accounts opened with Comenity Capital Bank on XX/XX/XXXX.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Have a new credit card with BofA. In interaction with their phone represenative we paid the current bill and set up autopay for future payments ; the ask and apparent setup was to pay in full prior to the due date. The following month, the neither the full statement amoutn owing nor the minimum amouth due was autopaid. Calling back to the phone representative, it was discovered the previous representative had set the full payment date for a month further in the future, resulting in interest changes. As this is an affintiy card where certain spend have to occur to get the 'points ', I had charged significant amounts. Furhter tlaking to the represenative, the consumver has no way of seeing autopayment arragement made over the phone. There is the ability to set up autopayments via the web interface, but it is an enteriely different system! If the BofA phone representatives are being instructed to set the first payment date two payment dates out, this would be a boon for BofA and a significant intetional consumer fraud on card holders. It was indocated I was set for the next payment date whne I set up the phone-based autopay. I have subsequently changed to the web-based autopay, which I can see and manage directly. As you have gathered, I could not see that the first autopay date was two payment dates out. Only possibly by calling could I have gotten this information. Getting a humanb to help on the Help Line is next to impossible, but you can't review or adjust a phone-based autopay with the auotattendant on their help line.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NEW YORK COMMUNITY BANCORP INC (FL)

A I was fighting my mortgage in XXXX  after my XXXX  XXXX  I requested that flagstar allow me to take over my mortgage, which they denied saying it needed to be up to date. Once funds were approved for my mortgage I again requested that be allowed to take over my mortgage and was denied again.Duetoflagstarnotallowing me to refinance my mortgage I had to go to court for probate and now my XXXX XXXX  are the remainder men of her me ( I still retain my half ) my house caught on fire and no one will finance the work without everyones signature which they refuse to do as well.my XXXX  passed and I am raising my grandson and we are now XXXXI used my funds to start repairing the house and now have nothing. If flagatar had allowed me the ability to take over the mortgage they would havre received their funds, house paid in full and I would have been able to refinance and repair my home. I now have to go to a hearing for my unrepaired home facing daily fines which may cause me to lose my home for good Flagstar treated me as the owner when it came T the insurance funds as well as getting addditinal funds to payoff mortgage. I was considered an owner as I was on the insurance policy and the mortgage itself but not the note. When there was a foreclosure we we both named not just my husband and when we refinanced the home they flagstar we ) my husband and I were both required to sign. They have acknowledged me as the owner of the home but denied me ownership
Consumer complaint received 2023-05-08
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-16
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. (TX)

As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from Credit Report.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

In XXXX I opened an account with Santander Bank I deposited a XXXX dollar check. Ive been getting so much different information about my funds being available and four months later still have not received my funds. Santander has been holding my check for four months now with no accurate information. For the last time I entered the branch today which they told me to do when I called today to receive my money and they still have given wrong and mislead information on receiving my check.
Consumer complaint received 2022-06-16
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. (MS)

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all fraudulent accounts.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-16
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 (AZ)

I had an agreement with Bank of America over the phone, they have recorded the conversation as well as I did ( this happen by the end of last month ) then on XX/XX/XXXX I got a letter where they state they were closing my credit card account ending in XXXX as a result of this agreement but that wasn't part of the agreement and I don't want my account to be closed, I had made a payment according to the agreement and then they withdraw the same amount, I was very specific about letting the agent ( a woman ) about not duplicating withdraws but they did, Note : the agent was the most professional and polite person from Bank of America in recent years but still they mistakes about withdrawing were done and closing account wasn't mention on that conversation. 

I am requesting please do not close my account I prefer to decline on your offer than affecting my credit even though I don't even have a social security number your balance will be paid as agreed or in full and please return the duplicated withdrawal. 

Bank of America account : XXXX Letter and transaction details are included in this complaint.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-06-16
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. (MI)

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-06-16
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. (MI)

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The cards benefits is no foreign fees however some appeared. I tried calling again and asked for an agent. Went on the menu over and over in XXXX and XXXX. The system is set up to hang up. This most end. Customers must have a way to reach a human without any issues.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Around XXXX I opened a new credit card with chase for {$5500.00}. On XXXX they allowed my account to get almost to {$7000.00} and i was under the impression my limit was increased because i was able to make purchases without any declining. when i got my statement for that month i saw that i was over the limit and that i have to make a payment for all over the limit balance asap. i called them and they just told me that they allowed the transaction even though my limit wasn't increased and that i need to pay. i was so mad and i did not paid. then i start receiving letters and calls to my job to my cell phone to pay and my credit started to get bad and around XXXX i did an agreement with chase to pay in a monthly basis {$130.00}. in XXXX i paid instead the XXXX the XXXX and then i received an alert from the credit bureaus that the account has been charged off XX/XX/XXXX. 2 days after the due date of the payment. How they are going to charge off an account just 2 days after the due date without any notification and in top of that accept a payment when supposedly an account has been charge off? now they are reporting my account every month late since XXXX when they received every month the payment for {$130.00} as per agreement. now my credit will be jeopardy and I'm in risk of loosing all my good accounts when creditor see this bad remarks from Chase. 
Please i need help.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX charged interest incorrectly. I had 2 different promotional plan ( without interest ). I paid the first one completely during the grace period and start the second promotional plan before that. They mixed the plans and applied the payments in a wrong way. I tried to pay the first plan completely several times, I call customer services several times, sent emails, but nobody can help. They always applied the payments in a wrong way that I had to pay interest unfairly for a total of {$330.00}. I am requesting this amount that was charge incorrectly to me. Thank you
Consumer complaint received 2022-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am 100 % certain I qualify for total discharge of my student loans with this agency. Regarding the Navient Multi-State Settlement. According to the attorneys general, the interest that accrued because of Navients forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. I obtained my loan of {$7500.00} XX/XX/XXXX, 14 years ago. I have always been placed into a forbearance. Now because of all the capitalized interest my balance is {$17000.00}. I meet all the forbearance eligibility criteria for federal loan forbearance steering. Now Navient has is refusing to acknowledge this or look into it and states as of XX/XX/XXXX I have to start paying back this loan.