davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (SC)

My name is XXXX 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.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I was requesting a chargeback for a {$200.00} unauthorized fraud transaction on XX/XX/23 but the bank said since its XXXX they cant help me that I would have to go through the XXXX app but because i am a navy federal member i can not use the XXXX  app.
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

Syndicated Office System dba Central Financial is refusing to supply us with a statement of money owed. They claim they are not attempting to collect this debt because it 's too old but yet they continue to report it the credit report companies. I am trying to secure a loan but have been told I have to pay the debt at closing to complete the process. Syndicated refuses to give me a statement showing who to pay, where to send it, my account # 's ( 3 ) and the total amount due. The bank requires it from them on their letterhead. I have never heard of such a thing. Their representative told me to dispute it with the credit reporting companies which takes 30 days. The bank is not going to wait 30 days. This company is truly putting a hardship on me. I believe this is very unethical on their part. Are they being spiteful because it 's to late to collect their money?
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Summit Financial Corp. (GA)

On my credit file dated XXXX XXXX, 2017 I received an update to my XXXX credit report from Summit financial. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called XXXX and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to summit financial in order to get corrected updated information, and summit financial REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Platinum MasterCard Account Ending in XXXX On XX/XX/XXXX I 've noticed for the first time unauthorized transactions on my account. Transactions from XX/XX/XXXX til XX/XX/XXXX from the merchant of XXXX were placed without my knowledge or consent. And from XX/XX/XXXX til today claim is still been investigated without any final decision. It has passed the 90th day of investigation process and also 2 statements after reported. I 've received only credit for unauthorized charges from months XX/XX/XXXX til XX/XX/XXXX. And i 've called 3 times to fraud department to check status. The information ive received over the phone is fraud department still investigating claim.And ill be hearing a resolution soon. And continue to received documents in the mail with also informing me working on claim .. This missing transactions that i have not received any credit is from all XXXX transactions from XX/XX/XXXX til XXXX .Also My account was at credit balance for a total of 2 billing statements after results of the transactions being reversed of the unauthorized transactions .Then Capital one sent me a check for the credit available in my account without any request.. then the fallowing statement capital one charges me for 1 transaction merchant had credit me already for and capital one had credit me for.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX is reporting inaccurate information on my credit report. Date opened is incorrect. High credit is incorrect. Credit limit is incorrect. Last reported is incorrect. Date last active is incorrect. Date of last payment is incorrect.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

Fraudulent charges were made on my Citibank credit card on XXXX XX/XX/14 of this year. I was out of town at the time over 100 miles away and did not make the charges. The credit card was locked in a drawer downstairs. Citibank refused to refund the charges after the dispute because the charge was made in person in my city, and ghosted me after I submitted ( both via mail and email ) a dispute to the resolution of the case. Attached relevant statement. I can also provide evidence I was not anywhere near home when the charges occurred.
Consumer complaint received 2023-02-13
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. (FL)

RECENTLY I LOOKED AT MY CREDIT REPORT. AND IT BOUGHT TREMENDOUS SADNESS. I HAVE BEEN DOWN AND FEELING SUICIDAL LATELY THIS IS A HARM AND DEFAMATION TOO MY CHARACTER I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT IN ACCORDANCE WITH SECTION 1681 ( e ) b accuracy of report of the United States code ( 15.U.S.C. WHEN A CONSUMER REPORTING SERVICES CREATES A REPORT ON AN INDIVIDUAL THEY ARE REQUIRED TO TAKE A REASONABLE MEASURES TO ENSURE THE DATA IS ACCURATE AND FEASIBLE IN ACCORDANCE WITH SECTION I ( 5A ) of title 15 of the United States codes deals with how false or questionable facts are handled under 15 u.s. code1681a ( 3 ) 3
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Issue # XXXX- Wells Fargo enrolled me into an Identity Theft program, without my consent, on 13 different occassions between XXXX - XXXX. Mediation and pre-mediation offers were only provided for XX/XX/XXXX claims. 

The remaining claims ( XXXX, XXXX, XXXX, XXXX, XXXX ) have NOT received pre-mediaton offers and Wells Fargo will not provide an explanation as to why no pre-mediation offers were made. They claim this is proprietary information. 

Issue # XXXX - Claim numbers XXXX and XXXX were incorrectly documented as " duplicative '' on XX/XX/XXXX by the specialized care team, although the executive office determined they were legitimate claims.
Consumer complaint received 2022-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CADENCE BANK (TX)

I paid my credit card bill in full before the due date, and upon using my card it was declined. I called my credit card company and I was inform my card was returned which caused my account to be closed. I informed the representative that I never returned my card and Im attempting to use it as of XX/XX/2022. They credit card company informed me that she does not know what happened and state to give it 24 hours and they will reactivated my account. However the credit card company report to the credit Bureau XXXX and XXXX that my account was closed with a remaining balance. Which impacted my score Negatively by XXXX points. I reached out to the Credit bureaus and was informed to reach out to the reporting creditor to resolve issue. I did what was Instructed. And when I called my credit card company ( Bancorp South ) they informed me there is nothing they can do and I need to contact the Credit bureau. I was never told I will have this issue resolved.
Consumer complaint received 2017-08-09
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: EQUIFAX, INC. (OH)

On XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.
Consumer complaint received 2022-11-16
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Late payment showing on all three credit bureaus XXXX acct. XXXX XXXX Bank of America XXXX XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose
Consumer complaint received 2022-12-03
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: CITIBANK, N.A. (FL)

Late payment showing on all three credit bureaus Amex/CBNA acct. XXXX XXXX XXXX XXXX  XXXX Macys/CBNA XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (SC)

I had a checking account with Regions bank back in XXXX. I left the country for many years, and in XXXX I got an email/letter from Regions unclaimed property asking me to confirm my account. I did so and they told me they would not close the account nor turn it over to the state unclaimed property department. 

However, at the end of XXXX I went into a Regions branch and asked to withdraw my money. They said the account was closed with a {$0.00} balance. I emailed them, and they have been most unhelpful. Same with phone support, which I tried to call back in XXXX and XXXX. They would tell me over the phone that they have no record of the account. I have also checked with FL, AL, and SC unclaimed property departments and the funds were not turned over to any of these agencies. 

The account number ends in XXXX and should have {$150.00} in it plus interest acquired over the last 10 years. 

I would like to claim my {$150.00} + earned interest from my account.
Consumer complaint received 2022-11-16
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. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681 Account name 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 have 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 repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

A withdrawal was made from my account on XX/XX/XXXX in the amount of {$3000.00}. The transaction was listed as : XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX Merchant category : Fuel Dealers- Fuel This was similar to a transaction from the previous day from : XXXX XXXX : XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  for {$340.00} for fuel purchases from the prior week. This is a fuel merchant account for motor carrier operations and a legitimate charge. 

My credit limit with the merchant is $ XXXX. 

When I saw the charge days later I immediately called the merchant and they said they did not make the withdrawal. I called Bank of America to notify them this charge was unauthorized and to file a claim. 

Bank of America placed a temporary credit for {$3000.00} to my account on XX/XX/XXXX and reversed it on XX/XX/XXXX. During that time I never received any notifications that any investigation had taken place or that any decision had been made. 
I called back after XX/XX/XXXX when the reversal was made and the rep I spoke with said that if I faxed a statement then the investigation would reopen and I would be contacted. I have never been contacted and my money has still not been returned. As a result, numerous fees have been assessed due to insufficient funds as a result of this initial theft of money. I sent statements that I have from the merchant account and no response. 
Like I said previously, I only had $ XXXX credit with the merchant so there is no way a {$3000.00} charge could be legitimate. I should have received a fraud alert, and never did. I received nothing of value for that {$3000.00} purchase so where did my money go. Isn't my money insured against fraud? I want my money and that is all. I have no trust for Bank of America. I have been a minority small business customer for over 15 years and this is how I am treated. I will not stop until the whole world knows how Bank of America treats their small business customers.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.
Consumer complaint received 2017-06-25
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. (OH)

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is XXXX.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (OR)

My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.
Consumer complaint received 2024-07-26
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-02-12
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. (GA)

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 Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : Transunion XXXX XXXX and XXXX. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : Transunion, XXXX, XXXX. * Account Name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : Transunion, XXXX and XXXX. * 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.