davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

This is a continual problem with mail fraud and false claims of receipt and/or sending of mail and notices. In the past I have been abused by this bank claiming they mailed me a notice which we never received so they could falsely bill my account for late charges! - This time not posting promptly my payment to avoid crediting. 

I mailed a check # XXXX to US Bank on XX/XX/2020 in the amount of {$630.00}. As of today, XX/XX/2020 I have yet to be credited of this payment to my principal. There has been a ongoing pattern of deceit and communication fraud. 
They have done this repeatedly to me on previous occasions by claiming they notified me about changes that were never received. 
Now, on the other hand, 10 days later my check has not been credited.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
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. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 2020-11-17
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-27
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. (PA)

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... ..I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (PA)

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX.I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Consumer complaint received 2021-04-27
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: Paramount Capital Group, Inc. (NJ)

There are inconsistencies in the reporting to my credit report. XXXX  and XXXX  are reporting the account as charged off, however XXXX  is reporting the account as an unpaid balance. The balance is not consistent across all thee bureaus as well ( XXXX reporting {$10000.00}. XXXX is reporting {$11000.00} and XXXX is reporting {$11000.00} ). If an account is charged off, it is no longer a part of my monthly responsibilities. Reporting a monthly payment is a violation. FCRA requires that you are consistent across the board with your reporting, and I am showing that you are not.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

My US Bank XXXX rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Consumer complaint received 2020-04-26
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Within in 3 months of closing our loan was sold to another company, we do not know who because the loan servicing company will not give us the name. We noticed that the payment was not accurate and the monthly payment increased by {$330.00} with no explanation. Part of the change was a change in our insurance company but we still could not get them to explain what changed. So we contacted the tax office to get our yearly tax amount, approximately {$190.00} a month and we know what the monthly is for insurance, right at {$200.00}, and we know what the monthly principal and interest is, which is {$720.00}, that should total around {$1100.00}. We are paying {$1300.00} a month?? 

In XXXX we changed insurance companies and our insurance did increase from {$1400.00} to {$2400.00}. So we understand that the monthly payment would go up by about {$100.00} but it went up by {$330.00}. 

We got them to send us a disclosure statement, dated XXXX that said we had an escrow shortage of {$2800.00}, how did that happen, we closed in mid XXXX and this was 2 months later. We did change the insurance after the loan closed, and when we changed it we paid for the insurance in full, the mortgage company did not allow that and sent the money back to the insurance company but at no time were we without insurance or missed any payments. I feel like this has a lot to do with the issue but we can not get them to help us or explain it. 

On that same disclosure statement we noticed that in XXXX it shows {$310.00} was deposited in our escrow account, in XXXX nothing, in XXXX {$310.00} again. It says our account balance as of XXXX is negative {$1200.00}?????? 

They are charging our escrow account {$640.00} a month but only {$400.00} is going into it, again I don't understand. 

We have contacted them about every 3-4 weeks since XXXX to get them to explain the issue, the first time they agreed and could not figure out why so they said they will ask for escrow analysis and get back to us, no one does. We call again, this time they say our escrow is short, that is why we have to pay more, why is it short we ask, we have not missed a payment on anything, they say we will need to request an escrow analysis to let you know, we will call you back, no one ever does. we Have done this so many times and can never get any help or explanation. The last time we called they said that even though we were paying an extra {$330.00} a month towards escrow we will still be short at the end of the year, how is that possible?? They will not tell us the name of the actual owner of the loan/mortgage company, they will not give us a copy of an escrow analysis, we don't know how else to resolve this issue.
Consumer complaint received 2021-05-07
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: Synovus Bank (TN)

I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2021-04-27
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. (TX)

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Equifax sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Main problem is with Wayfair -Commenity Bank : A payment was purposefully sent prior to the end of the promotional period on XX/XX/2020 in that amount of {$280.00}. It did not apply. This incurred. me {$190.00} off promo plus another {$48.00} fee. This I had been making multiple large payments to pay this bill off starting in XXXX the original amount was between $ XXXX. Literally I paid over {$660.00}, and now the want {$360.00} more. 

I fell that the off promo is a scam and if you wait to pay it off the last month before the back interest they will purposefully slow down posting payments. 

The fees are also ridiculous. 

$ 28.9 % interest should be illegal. We used to call that loan sharking. There should also be a limit and payments have to be posted and be processed in 24 hours of receipt! The are taking my money and not paying my bills!! 
2nd problem with Come its I called and got through only once. Sent 2 emails. 

Secondary problem Same creditor but different card-Comenity-XXXX I made the mistake of opening a card buying in a XXXX store and never received my card or bill! Also they have wrong address, one I lived in 5 years ago! It was supposed to be fixed after I called to get it fixed and can not get back through. No bill no card!! bad credit. These people are ruining me. 
With the COVID19 I cant fix XXXX account in person.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX  XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-09-20
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. (TX)

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX ACCT # XXXX. I am requesting all be removed from my file this finding has caused XXXX, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.