davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (NJ)

XXXX XXXX has 2 loans on my credit thats not mines, XXXX  XXXX XXXX  has a closed account on my account thats not mines, XXXX  is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill  for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OK)

Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my 6th exertion to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a victim of the scam and both the Bank of America and XXXX have refused to remedy the situation. 

I was selling my car ( XXXX  XXXX XXXX  ) on XXXX  at {$1200.00}. and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). I received the check on XX/XX/XXXX and immediately deposited it via the mobile app. The buyer told me that she was moving to the Washington  DC area where I lived, and that by mistake she sent a {$3500.00} check including the mover 's fee ( {$2200.00} ). She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the mover named " XXXX XXXX '' through XXXX ( XXXX Transfer Conf # XXXX ; XXXX ) via my Bank of America account. On the following day, XX/XX/XXXX, once I confirmed, via the Bank of America mobile app, that the check was cleared and added to my bank account, I wired {$2200.00} to the mover via XXXX through the Bank of America mobile app, as directed by XXXX. Next day, XX/XX/XXXX, XXXX contacted me again, saying that her mom got injured and they had to cancel their deal, asking me to send {$1000.00} back to them through XXXX. It was the time when I checked my bank account and realized that the check was rejected, with {$3500.00} disappearing from my balance. I immediately called the Bank of America, which confirmed that the check was fraudulent. I asked the Bank of America to cancel my {$2200.00} XXXX transaction, but they insisted that the transaction was authorized by me and that XXXX has no fraud protection. In the end, I lost a total of {$2200.00} to this scam, and the Bank of America has refused to refund the lost money. 

My complaint is twofold : 1 ) The Bank of America cleared and posted the full amount of the check ( {$3500.00} ) on XX/XX/XXXX, which misled me to believe that the check was genuine and therefore to arrange the XXXX transaction. The bank then suddenly put the status of the check on hold in the following day ( XX/XX/XXXX ), with {$3500.00} debited from my balance. Why did the bank clear and add the deposited money to the balance without fully confirming the validity of the casher 's check? 2 ) The Bank of America insists that the explanation about the lack of the fraud protection in using XXXX in the " terms and conditions '' before a user uses the service for the first time. This is clearly not enough : I had no idea about the lack of protection, and the warning must appear in a far more conspicuous way before every transaction.
Consumer complaint received 2022-12-15
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

synchrony bank closed 28 credit card accounts on XX/XX/XXXX XXXX XX/XX/2020 All accounts were in good standing never a late payment. they told me I was a risk to there bank and so closed all accounts all on one day. My credit score went from XXXX to XXXX which is really hurting my credit.I believe they are somewhat discriminating against me.these are some of my closed account CARE CREDIT - P.C RICHARDS - XXXX- GAP- JC PENNY- ASHLEY PAYPAL- AMAZON- CITGO- LOWS- HOME  DESIGN- XXXX- XXXX XXXX- XXXX- PEP BOYS- XXXX- MATTRESS FIRM- XXXX- BANANA REPUBLIC- OLD  NAVY. 
These are just some of them. I personally think this is not fair.I am continuing to make my payments on all my accounts even that they are closed. ( INPORTANT ) After all my accounts were closed I reapplied for a lows card and a BP gas and was approved. after 3 days they closed the accounts again. that is not right
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (CO)

We were mailed a form letter from Fay Servicing that our mortgage was placed in forbearance. My husband called and told the company we never requested this and did not wish to have this program. He was told it was removed from the account. This week I checked our credit scores planning to apply for a refi and our scores dropped XXXX points and Fay servicing says we are in forbearance. They also have not reported our XXXX, XXXX or XXXX mortgage payments showing we owe money that is paid in full. This is very damaging for us and needs to be removed. They can not destroy someones credit with something they never asked for.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent communication to Transunion to investigate accounts on my consumer report that are inaccurate. 

To Date, I have not received any response back from TransUnion regarding the investigation of the accounts. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

I have attached the letter i sent to the 30 days ago.
Consumer complaint received 2020-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
Consumer complaint received 2020-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount Recovery Systems, L.P. (TX)

Hello and hope all is well. Paramount recovery continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AZ)

I was at the bank in XX/XX/2022. Requested to close accountt. As i found out later my atm has beed closed but my acount is still open and i can not drow my funds. bank accepts my sis payments and holds my funds charging me monthly fee. I called customer care they told me my card has never been activated which is ludicrous since made withdrawals in the past. I on the XXXX coast and I can not get my card replaced not get the money since I don't have any other income
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Reporting Attempted Fraud ( phishing attempt regarding Bank of America Checking Account '' : Received a text message from XXXX XXXX XXXX XXXX The message states as follows : " [ Service Update B.Of.A ] Your e-mail and phone number is being changed as you requested. 
If you did not make this request, please call XXXX XXXX XXXX Toll Free. ''
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (TN)

On XX/XX/2021 I filed 4 disputes with Equifax about fraudulent hard inquiries on my credit report. It has been 45 days and counting and Equifax has not responded to my disputes.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent 5 letters to TransUnion requesting to remove the security freeze from my credit report. I called on XX/XX/2020 and spoke to 2 different representatives who tried to remove the security freeze and they both said i had to speak to another department. I was on hold for 3 hours and 10 minutes and then TransUnion gave a message saying my call couldn't be answered and the call disconnected.
Consumer complaint received 2022-08-21
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. (IL)

I spoke with a representative on XX/XX/2022 regarding my credit profile which contain address that I was not familiar with I instructed the representative that the other address did not belong to me after which I found I was unable to pull an updated credit report I call back spoke with multiple representatives that claimed to have fixed the issue however it did not to my understanding the rep I spoke with on XX/XX/2022 not only removed the addresses that did not belong to me but also my physical address since then I have been unsuccessful at obtaining credit as it come back I have no credit file
Consumer complaint received 2021-12-15
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (NY)

XXXX Account # XXXX this is NOT A MINE REMOVE FROM MY CREDIT REPORT! I have PROOF THAT this is a ERROR so remove asap! I will have to file with my attorney!
Consumer complaint received 2021-08-22
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. (CA)

Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Bureaus refuses to update me from being listed as XX/XX/XXXX to XX/XX/XXXX on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NV)

On XX/XX/XXXX, we closed on our new mortgage with XXXX XXXX XXXX  and part of that closing, we were reassured that we could recast our loan. Shortly after closing our loan was sold to Dovenmuehle Mortgage. At the end of XX/XX/XXXX, we called the Dovenmuehle Mortgage and requested a call back regarding recasting the loan. In mid XXXX, we received a letter dated XX/XX/XXXX stating that they had received our inquiry and will respond within the time limit required by law. On XX/XX/XXXX, we called Dovenmuehle Mortgage and was advised that we had to send an email to XXXX. We sent our first email requesting a response to be recasting our loan, which we received no response. On XX/XX/XXXX, we sent a second email again requesting a call to discuss recasting our loan, which no response was received. In early XXXX, we received a letter dated XX/XX/XXXX, requesting an additional 15 days to respond to my inquiry and a promise we will respond no later than XX/XX/XXXX. On XX/XX/XXXX, we spoke to XXXX, Customer Service Supervisor for Dovenmuehle Mortgage, who advised that we had to send a request to XXXX, which we did on that day. On or around XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that our Private Mortgage Insurance has been terminated. To date, we are still awaiting a response to recast our loan and have had to pay the Dovenmuehle Mortgage interest for the full amount costing us approximately {$900.00} in monthly interest when it should have been approximately {$330.00} per month and declining, as we would like to apply {$150000.00} towards the {$280000.00} balance.
Consumer complaint received 2020-06-06
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

These two numbers, XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, have sent me a text message attempting to defraud by having me, and potentially some legitimate America First customers, click the fraudulent link. 

They are not from America First Credit Union. Please identify who these scammers are and shut them down. 

Text message : American First Credit Union : We're restricting your account untiI we can verify recent updates made on account, Visit XXXX XXXX XXXX XXXX to verify.