davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MI)

I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau.
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Citibank Home Depot is reporting al ate for XX/XX/20 that I would like removed. I got very sick around this time and ended up contracting XXXX where I was then out of work for over 2 weeks. During this time I fell back on a lot of accounts and really had to take care of necessities first. I ask that Citibank please remove the late as I was going through hardship and I had not been late prior or since then.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (FL)

I am receiving derogatory credit report remarks for an account that does not belong to me. I do not owe this debt in the amount of {$470.00} and I request that this be removed from negatively impacting my credit report.
Consumer complaint received 2019-10-22
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX and XXXX   / XXXX XXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (TN)

I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.
Consumer complaint received 2016-01-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MO)

I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.
Consumer complaint received 2022-10-06
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN Account # XXXX, XXXX  recovery Account # XXXX, and XXXX  recovery Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I received a notice from Chase that there was a purchase on my card on XX/XX/2020 at XXXX XXXX XXXX DC in the amount of {$1000.00}. Chase asked me if this was my purchase via text and email. I told them I did not make this purchase. I locked my card and Chase sent me a new card. 

On XX/XX/2020, Chase posted a {$850.00} " adjustment '' to my account with the transaction date of XX/XX/2020. There is no feature to dispute this adjustment, no method to securely contact Chase, and Chase has no one working its fraud telephone number.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (PA)

XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto www.ssa.gov. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MI)

XX/XX/XXXX I requested XXXX bank remove my PMI because upon request I received a letter from Chemical Bank telling me I can request it be canceled when I reach 80 % of the original ltv. XXXX told me I was at 81.6 %, the principal reduction amount Id need to be at 80 %, and that I would need to submit another form. In XXXX I made sure I was at 80 % before I submitted the form. 

Two calls and one month later I am being told I need to pay {$150.00} for an internal and external BPO to cancel the PMI because of the type of Fannie Mae loan I have. I was not even aware that my loan was with XXXX, and XXXX who is the servicer never disclosed this requirement to me. Neither did XXXX the original lender who was acquired by chemical bank and then XXXX. I am looking to sell and have a comparative market analysis statement from a realtor showing how the value of my property has increased as most properties in this market have. If I was told I would have to pay {$150.00} at 80 % ltv, I could have paid {$350.00} a couple years ago and got an appraisal showing the value went up and that I was at 80 % of the increased value. Additionally, Im now at 78 % of the original ltv and was told they will not cancel the pmi until XX/XX/XXXX. 

I feel I am being discriminated against and these predatory lending practices should not be allowed.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (IL)

Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX.
Consumer complaint received 2021-10-31
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: Fidelity National Information Services, Inc. (FNIS) (KY)

On XX/XX/2021 XXXX declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from Chex Systems , Inc. I contacted Chex Systems and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I already reached out to the credit bureaus and to CITI with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

My name is XXXX XXXX XXXX. 
I closed my credit card account number XXXX at Citi a few months ago. 
and paid the balance in full. 
I was told that if there would be some credit posted back to the account by the vendor, that money would be returned to me as a check. 
There has been a credit of {$130.00} after the account was closed and Citi has failed to return that money despite my contacting them 3 times.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

XX/XX/2016 I experienced financial hardship. I applied for a modification. Since then now I have been denied because of the time lapse according to guidelines. 

Its not my faught that time has lapse from the initial time. 

I am furious that I am a mortgage professional and licensed now with a new career which helps me to hold down my responsibilities. 

The denial states my hardship will never end. Thats very unfair personally injury to me.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Received a letter from XXXX XXXX stating a request to open a XXXX credit account on XX/XX/23 was denied. I did talk to both XXXX and XXXX informed both that I had not applied to open an account and I wanted the hard inquiries removed from my credit report, but nothing was done about it.