davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank continues to randomly shut off my credit card with no advance warning and no attempt to proactively contact me. They have my phone number and e-mail address but I never find out about their issues ( usually false fraud alerts ) until my card is randomly declined. Reference previous complaint XXXX. 

Today my card was declined for a recurring bill payment and I am now responsible for a {$35.00} NSF fee with my utility provider. Making matters worse, Synchrony won't even engage with me to find out why this happened, they claim I need to prove my identity and the only way to do that is by submitting a selfie and my photo ID to them. I attempted to do exactly this and they rejected my Photo ID because it is a United States Passport and not a State Issued Driver 's License. 

Why is a valid US Passport not sufficient ID to do business with an FDIC insured and Federally regulated bank? They now tell me I have to wait for some letter in the mail, that will contain further instructions, meanwhile I have to invest hours of my time to move other recurring payments off this card, so they aren't likewise declined, and I am out that time and the {$35.00} NSF fee. 

This card has been in good standing the entire time I've had it, never paid so much as a minute late, never not paid in full, but they continue to randomly block me from using it for no obvious explanation and in this instance are not even willing to help me get past the issue without resorting to snail mail, in XXXX, all because my US Passport isn't sufficient proof of my identity.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX. I have been a Bank of America client since XXXX. With an impeccable credit record within the bank. 

In XXXX I was the target of a bank scam. Since a person deposited a check to my bank account and Bank of America credited it to my account immediately. 

The person identified with the name of XXXX XXXX made a deposit with check No. XXXX on XX/XX/XXXX from XXXX XXXX to my Bank of America account XXXX for {$9700.00} ( see attached file ). He told me it was a mistake of his assistant. He sent me a copy of the deposit and my bank did too. He requested the return by XXXX. Seeing that the money was credited and available in my account, I assumed that it was really a mistake and I was prodceed to return the money in XXXX transfers through XXXX for the amounts of {$3000.00}, {$2900.00}, {$2700.00} to email : XXXX in the name of XXXX XXXX ( see attached files ). Later, on XXXX, XX/XX/XXXX, the money {$9700.00} was decredited from my account, since the check had been canceled. I notified my BOFA bank, the operator told me that I should write to the FBI and I did ( see attached file ). 

To this day I have never received a response from Bank of America. 

I recently read in the news that US senators are forcing banks to return money to customers because these XXXX transfers are considered authorized by the customer but induced by the bank by showing the customer as available money that has not yet been approved.. 

Also, I have read in the news that in New York, a federal judge forced Bank of America to return the savings to all customers who were the target of bank scams for the benefit fund. 

In this sense, I want to clarify that I am a XXXX XXXX XXXX XXXX XXXX XXXX I work for a XXXX XXXX and I earn my money honestly and it seemed unfair that unscrupulous people carried out this fraud and Bank of America did not issue any communication. There was no response. 

In XX/XX/XXXX I was at a Bank of America banking agency in XXXX, XXXX, I made my claim again and I was practically mocked for what happened to me. 

Attached to this communication all possible evidence and the XXXX Complaint Referral Form, Internet Crime Complaint Center ( FBI ).
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I feel discriminated against by FREEDOM MORTGAGE for having been a recipient of federal aid under the EDD PUA program, which is given to those affected by XXXX. And for FREEDOM MORTGAGE that immediately disqualifies me from refinancing my property at the historic 2.87 % interest at adddress # -- -- - XXXX XXXX. XXXX CA, XXXX. My wife and I have never stopped paying for six years and six months our monthly payments at {$1300.00} to Freedom Mortgage Corporation with an interest of 4.75 %. But FREEDOM MORTGAGE CORPORATION has not accepted as valid the two years of taxes ( XXXX, XXXX ) where the income for EDD PUA appears. Freedom Mortgage Corporation told me that they prefer that I continue to pay high monthly payments ( {$1300.00} ) with high interest ( 4.75 % ) ; instead of paying low monthly payments ( {$990.00} ) with a low interest ( 2.87 % ). for me they are discriminating against me for asking so many questions, I think I also bothered them for telling them that they are the same company ( Freedom Mortgage ) that owns my credit. Freedom Mortgage did all the calculations for me to qualify for REFINANCING with 2.87 % under a new federal program XXXX, Freedom Morthage Corporation, made me a new contract for 30 years ( 360 months ) and calculated {$990.00} per month. 

First : Freedom Mortgage made me the contract with all our tax information, copies of checks and credit report ; and they made the calculations with 2.87 % interest with a monthly payment of {$990.00}. 

Second : Freedom Mortgage using the new federal program XXXX told me that under that program I qualify. 

Third : Now Freedom Mortgage tells me I don't qualify for anything. 

Fourth : Now I feel discriminated against for having asked them many questions, because of my low income economic status, because of my age. 

Fifth : I feel very sad extremely sad, for having received federal aid under the federal EDD PUA program, because for FREEDOM MORTGAGE reporting to the IRS having received help for self employment is a crime that disqualifies me from saving approximately {$300.00} per month, of 4.75 % of interest, at 2.87 % interest.

Sixth : for having received federal aid EDD PUA, freedom mortgage punish me to continue paying the high fees {$1300.00} ; and higher interest 4.75 % Seventh : I told FREEDOM MORTGAGE CORPORATION that I did not want to get money from the property profit ; that I just wanted to refinance to lower the monthly payments from {$1300.00} with 4.75 % interest, to {$990.00} with an interest of 2.78 % and save me approximately {$300.00} per month, And I told them that Freedom Mortgage knows all my payment history from the beginning ; And that they might not read it would be convenient, for that reason maybe they eliminated me from the benefits of refinancing at low interest with Them Freedom Mortgage Corporation
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (MS)

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

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 2021-01-22
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: EQUIFAX, INC. (NJ)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2024-10-09
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

I have a FHA loan and I was service released from XXXX XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. I pay my homeowners insurance and taxes though my mortgage payment as it required for FHA. I found out in XX/XX/XXXX that when my loan was service released in XX/XX/XXXX, my Homeowners Insurance company XXXX XXXX XXXX was not informed of the change by either mortgage company resulting in my insurance being dropped and I was completely unaware. I had made all my escrowed monthly payments on time, thinking homeowners insurance was covered and it was not. After calling Freedom mortgage in XXXX of XXXX because I received a letter stating if they did not receive my Homeowners renewal policy then they would force place insurance. I called XXXX XXXX XXXXXXXX to see why my renewal documents were not sent they informed me I was dropped for nonpayment from my mortgage company in XX/XX/XXXX. I was so upset and was put at great risk because I was not covered. That is the whole reason FHA makes you escrow through your mortgage payment to eliminate that risk and to protect the property. At that point I did not fall under those guidelines even thought all my payments were made on time. That same day I got a new policy with XXXX XXXX and sent in all the documents ( XX/XX/XXXX ). I was notified of a shortage in XX/XX/XXXX and I have been paying monthly and in XX/XX/XXXX my escrow is still short. Come to find out Freedom Mortgage paid some insurance policy that I am unaware of {$600.00} and I can not even get through to the Insurance Department to find out who, bc customer service was unable to see the insurance company paid. This seems like a lawsuit to me and that will be my next step. Also I have paid extra each month over the past 9 years and I do not believe my escrow amortization schedule is correct either.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX Experian XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is XXXX Please adjust immediately. XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX  Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Consumer complaint received 2022-07-28
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: DISCOVER BANK (NY)

Discover card has not given a good reason why they allowed XXXX XXXX to steal money from my account. Also I have proven that the work from the merchant was incomplete and not done correctly and the quality of work was inferior. The balance on the Discover card for the amount in dispute will not be paid to Discover card. Discover need to follow the rules of Regulation E. Regulation E being the consumer protection rules from the Federal Reserve Bank. Discover card is not above the law and needs to comply with this law. I have sent all the proof and pictures and documents needed to correct this issue, but Discover Card does not want to comply. 

Again the credit card balance of the disputed amount will not be paid by me. 

XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-09
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX at XXXX PM ( XX/XX/XXXX ) I received a text asking if I attempted to make a Zelle transfer for {$2000.00} " Reply YES or NO '' I replied " NO '' from there I received a text back saying " Thank you for your confirmation, case id # XXXX '' Then, I received a call at XXXX PM from a Wells Fargo number from a man claiming to be a representative for Wells Fargo stating that he was going to help me undo the money that had been fraudulently sent out of my XXXX. The representative had me verify my phone number and address so a new debit card could be issued and sent to my house. I logged into my Wells Fargo account. The representative had me add myself to my XXXX and XXXX myself {$1000.00}, then another {$1000.00}, then {$1400.00}. When I said the text only stated {$2000.00} was taken, he reassured me that since the text had been sent, the scammers had taken another {$1400.00} out of my account. The representative told me I was undoing the transactions that the scammers had just done. Once the money was sent, he hung up and I drove straight to my local Wells Fargo bank to get some help. There, they created 3 fraud claims for me, one for each of the transactions made. They told me that the number that called me was in fact a Wells Fargo number and they aren't sure how someone called me from it. I was also told that by making those XXXX transactions, I had actually been sending the money to a fraudulent bank account XXXX XXXX XXXX Wells Fargo had decided to not reimburse me my money because they could not find the fraud on my account. I am sharing this for others to see and to fight Wells Fargo, XXXX XXXX  and XXXX to get my {$3400.00} back. I have reason to believe that one of Wells Fargos own employees was the fraud on the other end of the phone. If it wasn't an Employee, Wells Fargo has scammers breaching their phone lines and hacking their phone systems which needs to be investigated.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.