davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/21, I was charged {$1800.00} by XXXX on my Fifth Third Bank credit card ending in XXXX. This transacation was then cancelled by the merchant on the same day XX/XX/21, and a credit was issued to my card. As of XX/XX/21, the original transaction has already posted to my account, but I have second debit transaction pending for {$1800.00}. So, I effectivey have two amounts of {$1800.00} being subtracted from my total available credit, one that has posted and one that is pending. I called Fifth Third Bank on XX/XX/21 and spoke with a customer service representive, a supervisor, as well as, had a chat conversation with an employee via the Fifth Third Bank website. All employees said that they can see that the second transaction is actually a credit, but could not explain why it would be subtracted from my available balance. All three simply said that this is the that Fifth Third Bank handles credits. I am not asking for the credit to be posted early to my account, but simply that the second credit transation should not be taking money away from my available balance.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

On or about XX/XX/2022, I applied for a credit account with Synchrony XXXX and I was denied credit on or about this date per the salesperson at XXXX XXXX. 

I immediately contacted Synchrony Bank to understand the basis for their decision and I was informed that they were unable to confirm my identity and that I should go to the website : verifyy.syf.com. I also informed them at that time that I am a current cardholder with their company and that I already have two accounts with them ( one closed and one open ) and that I have an impeccable payment history with their company. After several tries to upload my id in their system, the system timed out and would not accept the picture of my id and closed out without giving me another opportunity to upload the id. I contacted Synchrony Bank again ( on the same day ) to inform them that I needed to get back into the system to upload the back of my id and I was informed by the credit department that my application had already been decisioned and that it was denied. 

Please note that I have an impecable credit history and sustainable income to qualify for the purchase. As a matter of fact, I ended up paying for the merchandise out of pocket instead. 

Synchrony followed up with a letter informing me of the denial because ( in their words ) " we were unable to confirm your identity with enough confidence to approve your application at this time. '' The denial was in no way credit related and now I have a credit pull on my credit report that I am unable to remove in addition to not being able to open an account for an eroneous reason ( lack of identifiation ) when I clearly have two accounts with this company. 

I am writing to CFPB because failure of the creditor to adequately identify an applicant who has open accounts with the subject company is failure of the creditor 's ability to adequtely process applications and causing harm to individuals by denying credit not based on creditworthiness. Attached is a copy of the letter that I received from Synchrony outlining the denial based on identity and not credit. Please note that my home address and phone number have been the same for over 15 years and there is no way that my identify could not have been known with consistent information and 2 accounts with this company.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

On XXXX XXXX I filled a complaint ( id : XXXX ) against Citibank with the CFPB stating the following : " My Citibank account has not been accessible for the last six weeks. I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails. '' Citibank responded to my complaint with a letter stating that access to my account had been restored after being restricted. 

Despite Citibank 's claims ( CitibankResponse.png ), I still do not have access to my account. I can not access my account in their web dashboard, nor can I access account statements. 

As you can see in XXXX ( see attached ) my savings account still is not visible through my Citibank dashboard ( although my credit card still appears ). Furthermore, when I navigate to Explore Products->Savings in the dashboard, Citibank 's system does not detect that I already have a savings account, and instead displays an offer to open a new savings account ( XXXX ).
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

At XXXX XXXX on XX/XX/XXXX I received a automated text message from Wells Fargo ( WF ) informing me that as of XXXX that morning my available balance was - {$22.00}. WF 's deposit policy where I live in XXXX XXXX, MN is all deposits before XXXX CST will be credited same day. Since I got the text, I made sure to get to the XXXX XXXX ATM near my house before XXXX that night, and deposited {$23.00}. 

The next day XX/XX/XXXX I was assessed a {$35.00} overdraft fee and according to WF Online Banking it was for a {$9.00} XXXX charge ( for XXXX ) on XX/XX/XXXX. Later, on the morning of XX/XX/XXXX I checked my balance after using my card over that weekend and with scheduled debits to my account it had a negative balance of - {$170.00} and some charge ( the exact balance I can't remember ). So, I went back to the ATM that day before XXXX of course and deposted {$170.00}. 

On XX/XX/XXXX I was assessed an overdraft fee of {$35.00}. Online banking said it was for a " transaction posted on XX/XX/XXXX {$95.00} XXXX XXXX '' i.e. XXXX XXXX XXXX. 

This is obviously due to WF reordering & manipulating my transactions to create overdraft fees, # 1. And also it begs the question of why inform us customers that we can be credited our deposit by XXXX local time if that's not true, # 2. This is unethical! Please have my {$70.00} deposited back into my account ; both fees waived.
Consumer complaint received 2023-03-09
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Consumer complaint received 2022-06-12
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. (PA)

N Accordance with the fair Credit Reporting Act 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  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
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

SEVERAL rounds of dispute letters have been sent to address the inaccurate information on my credit profile. Please see the attached REPORTS!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

Asked them to adhere to Fair Credit Reporting Act to verify that all information on my credit reports are reporting accurately. 

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 the agency can not furnish an 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. 

XXXXXXXX XXXX  Account number XXXX XXXX XXXX. Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXX account XXXX 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.
Consumer complaint received 2022-06-12
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. (MS)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to file a complaint against Experian for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with Experian, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided Experian with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Experian promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

We attempted to sell an item on XXXX XXXX. The prospective " buyer '' then told us money had been transferred. We then received an email from " XXXX '' explaining we needed to transfer money to the " buyer '' to " upgrade '' our XXXX account. We put in the requested {$300.00}, then an hour later received an email from " XXXX '' once again stating that the " buyer '' had {$700.00} withdrawn and that we were expected to reimburse the " buyer. '' We refused to do the second transfer, but we still feel we should get the {$300.00} back. We informed XXXX as soon as we received the second email and they refused to get our money back for us. 

The " buyer '' XXXX information is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NY)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Dismissed Collection Account I am writing to formally request the removal of a collection account from my credit report. The account in question, XXXX, was recently dismissed in court ( XXXX XXXX. [ XXXX ] ) on [ XX/XX/XXXX ]. Since the case has been resolved and the collection has been closed, I kindly ask that this account be removed from my credit report as it no longer accurately reflects my credit history.

I have attached a copy of the courts dismissal for your reference. Please update my credit report to reflect this change and send me confirmation once the account has been removed.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (UT)

In XX/XX/2013 a car was illegally purchased As a result of identity theft by my sister XXXX who used my information to get quite a few things prior to her going to prison. The account number according to my 3 credit reports shows XXXX but I will provide my social security number. My reports are frozen so there is no harm putting them. It is XXXX.The original loan amount was {$36000.00}. I mailed American Honda copies of signed police reports. Statements from officers showing I did not even live in colorado where this car was purchased, as well as a affidavit from my sister admiting to the investigators she did get this vehicle and other items. I will no longer wait any longer for this item to be removed.My attorney instructed me to file this report, and he will file suit in local court to make them remove it and seek fcra damages for reports this on my credit reports if it is not off immediately.
Consumer complaint received 2022-06-12
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. (NY)

XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. XXXX reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.
Consumer complaint received 2021-02-23
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 XXXXXXXX.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have a home loan with PennyMac. Below are the details of the company XXXX. XXXX XXXX XXXX XXXX, CA XXXX Web : XXXX XXXX XXXX : ( XXXX ) XXXX Settlement Claim Checks : ( XXXX ) XXXX Customer Service : ( XXXX ) XXXX I have two issues to report regarding how PennyMac processes my payments. 

I have tried to make additional payments to principal reduction couple of times in last few months. This is apart from my original biweekly payments, which I have been making on time. PennyMac sometimes will move my principal reduction payment to suspense account and will apply along with normal biweekly ( which actually is monthly as they combine two biweekly and apply monthly ) cycle. This way they are not giving me benefit which I should receive by making principal reduction earlier on the day of settle date of payment. Their reasoning is, sometimes my principal reduction payments falls too close to biweekly payment date and their system gets confused. But I have specifically selected principal reduction on their website for these extra payments. Every time principal reduction payment gets stuck in suspense account, I have find out and send email to them and they keep giving same reason for delayed application of principal reduction payment. I feel they are doing this purposely to delay my principal reduction payments. 

PennyMac usually puts my first biweekly payment into suspense account and after receiving second biweekly payment it applies the total to the principal and interest. I am not sure this practice is valid. I was expecting them to apply each biweekly payment directly as it is received, so my principal gets reduced for every biweekly payment.
Consumer complaint received 2024-11-16
Product: Credit reporting 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. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

I just received a XXXX A in the mail from PennyMac loan services. I guess they are saying i abandoned my home which is a lie. I'm currently living in my home with my family. my house has been paid off since XXXX. PennyMac was the servicer never did PennyMac loan me anything nor can they prove it. I've begged them to produce the so-called contract they have failed to provide me with this alleged contract. I don't exactly know what this XXXX a is but it seems like they are saying that they are forgiving some fake debt that doesn't exist and saying i have abandoned my property creating some kind of tax liability on me. first, they never loaned me anything second i am and will remain living in my home. 3rd my house was pained off in XXXX. PennyMac is doing some shady stuff that needs to be immediately investigated. i have an unrebutted affidavit of their fraud and attempted theft and i can and will testify under oath and have first-hand knowledge to the facts of their criminal actions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX