davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I received notifications that ALL ( XXXX ) my Synchrony Bank XXXX have been closed as of XX/XX/2022. I have no idea why they have been closed other than the fact that ( from what I was told ), I have been deemed high risk, and have the potential to not pay. 

I have quite a few accounts ; that I have never had late payments ; past dues with Synchrony or any other account that I have outside of Synchrony Bank. As a matter of fact, my credit history is Exceptional. The reps that I have talked to asked me to reapply, just figure it out, or read your terms and conditions. I was also told to contact the credit bureaus to see what they are reporting. When I did that, they told me everything on there end was good. 

I have applied for a lot of credit ONLY because I just built a home and needed to things for my home ; however. I am not a high-risk person. My salary is {$140000.00} a year, I pay all my bills on time. 

I am a VERY CREDIT conscious person ; and have been through a lot in my life to clean my credit and keep it clean. The only change that was made to my file was that my Bankruptcy fell off in late XXXX. Thats it. I really dont understand. 
I would like someone to look at each of my accounts individually and help me understand why my accounts were closed and hope for possible resolution. I would like my cc accounts re-opened and given another chance. 

XXXX XXXX no lasXXXX 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  Dont Have the last XXXX yes ( card hasnt come ) XXXX XXXX  Dont have the last XXXX ( card hasnt come )
Consumer complaint received 2022-10-05
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. (NC)

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through transunion. transunion said i have a fraud alert but that is not helpful. i am supposed to have one foXXXX XXXX  but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX XXXXoday about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I received a text message that appeared to be from my bank telling me there was a fraudulent charge on my debit card. Upon texting back NO that I did not make that charge, I received a call from the exact same number as the US Bank fraud department number. The lady on the phone said that somebody was trying to steal {$3500.00} from my account through XXXX. She said the person was named XXXX XXXX. The lady had me link my account to XXXX and told me I needed go hurry up and transfer this money. She had me transfer this money to said XXXX in two payments, one of {$2000.00} and one of {$1500.00}. She also requested my debit card number. Shortly after requesting that information she stole {$1200.00} off of my card. Knowing something was weird, I called the bank fraud department number afterwards and was informed that I was scammed. I filed a claim for the stolen money from XXXX as well as the {$1200.00} dollars stolen via XXXX pay from my debit card. The bank was able to reverse the {$1200.00} charge. However, a little over a week later I received a letter in the mail stating that my claims for the {$2000.00} and {$1500.00} XXXX transfers were declined because I initiated these transfers. I only followed through with the transfers because I believed I was speaking to the US Bank fraud department. Immediately after speaking with the real fraud department I filed a police report at my local police station. Last time I spoke with them they were still working on getting information from XXXX as to who this person I transfered this money was and where the money went.
Consumer complaint received 2022-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NC)

I have been trying to work with US Bank since midXXXX to get assistance/some type of modification. I have had my case closed several times due to " missing documentation '' for items that I did indeed submit or missing answers to questions that I did call up and answer. 

This is a terrible process and I have to say that I'm not at all unfamiliar with it. In XXXX I actually worked for a small company that helped people apply for and get mortgage modifications. I have assisted more than 20 individuals with this process and gotten approvals, even on some properties that had foreclosure dates. I do know through this process. 

My complaint is that underwriters and the modification team customer service don't seem to communicate very well. I have submitted documents to start and re-start this process 3 times. This last time, I received 3 separate phones asking me to answer a question about a discretionary bonus. I answered the question all 3 times ( I was told a verbal answer would suffice ) and then was told that nothing additional was needed and the file would be sent to U/W for review. The 2nd and 3rd times I asked why the file had not yet moved on to the final review process with an U/W and was given a flimsy answer about it being flagged in the " wrong system ''. It is unacceptable that I should receive another notice that the review was closed due to " incomplete application '' after I was told that everything was complete.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I was on the Covid forbearance with my mortgage servicer. They had assured me that at the end of the forbearance, I would be able to continue making my payments ; and my missed payments would be placed in the rear of the loan. 

My mortgage servicer, Flagstar Bank, is not allowing me this option as they have declined the loss mitigation application. I was never informed that this would be something I would have to qualify for in the first place. The forbearance repayment process that was told me is now not applicable to me according the the servicer. They want my property because I have equity ; and will not work with me on repayment.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with fair reporting act ARS reference # XXXX, XXXX XXXX XXXX XXXX, reference # XXXX, XXXX credit acceptance account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

After nearly two years of having a us bank secured credit card I was able to establish a consumer credit rating score that was scaled good. 
I signed up with US Bank by opening a secured savings account and deposited {$300.00} dollars in XXXX of XXXX. I made all my monthly payment on time. 
On XX/XX/XXXX at the local branch with the manager, I completed the form provided, requesting to have the secured savings account closed. My balance owed at the time of closing was {$290.00} and US BANK was to apply the {$300.00} secured savings deposit to the secured credit card balance, and mail a cashier check to the address on file in the amount remaining XXXX - XXXX XXXX balance owed to me I never received. Instead US BANK on XXXX XXXX failed in their duties of trust and applied a late fee and interest on my closed account. The issue is I have sustained negative impact on my credit report, causing damage to me and XXXX business in excess of {$100000.00} dollars. It is a depressing world with the corporate banks and the inconvenience their games. Please help
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. 
Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. 
US bank claims the payment was late and is charging interest and late fee. 
The payment was made electronically by my bank, so this is a record they got it on time. 
Please help me resolve this I feel I am being treated unfair. 
Warmest regards XXXX XXXX
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (IN)

I had an XXXX at XXXX XXXX XXXX on XX/XX/2022. I received an estimate before I went to the hospital and on day of services and paid that amount in full. Afterwards I received additional billing, and the hospital insisted that I owed it even though they were no additional services provided then what the doctor ordered. So I filed a complaint with the no surprises act on XX/XX/2022, and received the PPDR determination on XXXX XXXX. It said that I owed only what I had already paid and that the hospital needed to reimburse me for the {$25.00} application fee to lodge the complaint. XXXX XXXX XXXX continued to bill me, despite my calls, as well as me forwarding the official XXXX dispute determination email. Now they have turned me over to collections. I was told that this would not happen, but have received 2 bills from Medicredit, which total {$190.00} more than they were previously trying to charge me. I have supporting documentation to back all of this up.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

The company used deceptive practices to get me to enroll in a program that deactivated my card and closed my account. They sold a repayment program but did not mention that my card would be deactivated and my account would be closed and it would adversely impact my credit history. I do not recommend using the company for credit services because they use fraudulent methods and predatory interest rates.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have opened a checking account in XX/XX/2022 from Citizen banks online promotion for a requirement of {$500.00} direct deposit within 60 days. I have met my requirements and expecting the promotion bonus to be added in my account. I have contacted the customer service in XXXX and told it will be granted in XXXX. However, I waited till XX/XX/2022 but still don't see the bonus come to my account, so I called again on XX/XX/2022. One representative answered my call, and put me on hold for more than 20 mins while I can hear him chatting with someone else, which raise up a concern that he does nothing just putting client on hold? Then he dropped my phone. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My mortgage loan was paid off in XXXX of 2022, during this time, my wife and I were going through a XXXX and I contacted Huntington regarding the rebate for our escrow account and they assured my that the check would be made payable to both of us and we would both have to sign. After several months of not hearing anything about the check, I contacted Huntington again and they assured me that the check could not be cashed unless I signed it and since they showed it was mailed out, they would put a stop on the check and reissue it within 30 days. I then was contacted that the check was cashed and I asked for a copy of the check front and back to see how it was cashed since I never signed it, they told me at that time they would send me a copy within 30 days and at that time I could contact their fraud department and file a claim against the bank that cashed it. I then received a copy of the check that was cashed and dated XX/XX/2022 and a letter saying to contact them with any questions ( was never sent the back of the check ) when I contacted them, they said it could be deposited into an account with Huntington as long as we were both on the account which I do not have a joint account with my ex wife and I feel that Huntington needs to reimburse me for 1/2 of the check amount at this point.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXX  Auto Account Number : XXXX XXXX XXXX XXXX 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 : US Bkpt. Ct. XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX Account # XXXX, Account Name : XXXX Account # XXXX Account XXXX XXXX XXXX Funding Account # XXXX, Account Name : XXXX Funding Account # XXXX, Account Name : XXXX XXXX Fin Account # XXXX Account # XXXX XXXX Associates Account # XXXX Account Name : XXXX XXXX XXXX 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 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}