davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

I have been accessed fees in the amount of {$380.00} mostly due to Overdraft charges from XX/XX/XXXX - XX/XX/XXXX. These fees were levied against my account because I trusted their balance information provided via their online account and telephone services. In addition, their computer system delays the debit of charges up to four days after the purchase has been made creating the opportunity for Overdraft fees in the amount of {$38.00} per incident. I was told by one of their representatives that the debit delays were caused by the merchant. 

As such, I owe them nothing for the following reasons : 1. All Overdraft charges were levied as the result of their system delaying the posting of 12 debits from XX/XX/XXXX to XX/XX/XXXX ( per their statement dated XX/XX/XXXX attached ). 
2. Their online and phone system provided me with inaccurate balance information prior to the transactions in item 1 above. 
3. I relied on their inaccurate balance information before making a decision to use their debit card as opposed to two other cards and cash in my possession at the time of the purchases. 
4. These bogus fees counter their very own policy which states Once a debit card transaction ( ATM withdrawal or purchase ) is authorized, a hold is placed on the clients account reducing the available balance. Funds on hold for pending debit card transactions generally can not be used for other purposes, even though the transaction has not posted against the account 5. I used other debit cards with the same merchants and those charges were deducted either the same day or by first thing the next business day.
Consumer complaint received 2019-11-18
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: SYNCHRONY FINANCIAL (VA)

I checked my credit score today and it dropped 50 points. When I checked the cause of it, it says that an account was closed between a XX/XX/XXXX and XXXX of 2019. It say SYNCB/PPC credit card appears to have been closed. Looking into the name, it shows it is PayPal. I have never in my life had a paypal credit card. Now its showing the account as closed. This seems like some kind of fraud. I have a paypal account but it is connected to my bank and my bank card. I do not have any lines for credit card so I need this corrected, as Ive been working very hard to improve my credit score.
Consumer complaint received 2019-11-17
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: LEXISNEXIS (IL)

I disputed an Bankruptcy on my Credit File with XXXX, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (MN)

THERE ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. 


XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XXXX to XXXX regarding Capital One Bank, account number XXXX, and account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.
Consumer complaint received 2019-11-17
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: CITIBANK, N.A. (FL)

On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from Department Stores National Bank/Macy 's, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2020, I applied to WellsFargo to have my husbands {$210000.00} WellsFargo mortgage loan refinanced at a lower rate. After having submitted all the necessary paper work, underwriting said that it " LOOKED '' like I had a mortgage loan in XXXX that was foreclosed on. I informed underwriting, via my loan processor, that I payed cashed for the property, so there was no mortgage. Underwriting requested that I submitted a statement to that effect, which I did. My loan officer later told me that the statement was not sufficient, so I submitted to the loan processor proof that I paid cash for the loan. That was still not sufficient. Later, I was told that we were denied the loan. 

Additionally, WellsFargo was the bank that we initially when to to get a loan from for the property which we were attempting to refinance with them. They denied us then, but WellsFargo ended up purchasing the loan from XXXX, go figure. 

Finally, we will be closing on Friday with another lender who could not understand why WellsFargo denied us the loan.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Consumer complaint received 2021-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been a Bank of America customer for 30 years and never received a call back regarding this matter. I had contacted Bank of America to question a charge of {$930.00} on XX/XX/24 that it was not authorized. In addition, to another charge but they have never bothered to call back. They have not answered all my questions to the complaint. I requested a copy of the paperwork and none of them had my signature on the receipt that I approved the charges. Bank of America never investigated my claim and closed the case. Also, Bank of America Regulatory Dept. XXXX XXXX never called back after I left numerous messages for her for almost a month and but she never called back and I have been a customer for 30 years! Wow! 

Bank of America doesn't follow Federal banking laws and regulations.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. 

The fraudulent items on my credit report, specifically associated with collection -XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} and inaccurate addresses, have been brought to your attention on multiple occasions. I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report.

A written confirmation of the resolution, including the date when the fraudulent items were removed.

An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report.

I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system.

Failure to address this matter within the exact timeframe from the date of this letter may compel me to explore legal avenues or involve relevant regulatory authorities to resolve this issue. I am asking for your assistance to remove these fraudulent items 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 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 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 2023-10-09
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)

This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I received a letter stating my loan was being transferred XX/XX/2023. I pay my mortgage online but this time the process center I was directed to said my payment could not be received. I called the toll free number but it verified me saying I was not eligible to pay through the automated system. Now it's XX/XX/XXXX.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I received a phone call from the company XXXX about making my credit card payment. I stated that I would be going online to make the payment when I hung up, which I followed through. On the payment site I made selections for the {$40.00} plus dollars which was the XXXX due and on the card. Followed the steps to the next page and something must have gone wrong as the payment did not go through. I at the time thought it was complete. It was not until I noticed a significant drop in my credit score,  called XXXX to understand the issue and ensure I had not been a victim of identify theft, that I found out my score significantly dropped due to an unpaid bill of {$70.00} plus dollars ( {$40.00} plus the late fee ) for this XXXX account. I have had this account since XX/XX/2012. A credit limit of {$1000.00}. I most always make the full payments prior to the month of the purchase because I only use the card for the points. I have never missed a payment. And this was reflected on my score of an XXXX that dropped to XXXX because of a {$40.00} bill and a {$35.00} late fee from XXXX. This is ridiculous to allow a company to have the right to claim this type of penalty.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XXXX of XXXX I sent certified letters to Equifax for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by Equifax, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXX XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

{$300.00} Bonus Offer Breach of Contract Outlined : ( Mailed Offer for New Customers ) Bank of America Customer- ( My name ) New Account Opening Date XX/XX/19 Met All Requirements XX/XX/19 Per offer : {$300.00} Bonus should have been deposited within 60 days of account opening
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery is requesting money from me and I do not recall ever doing business or having them write me validating my financial obligation to them. Up to now they have not sent me anything validating this contract and they are reporting on my credit trying to strong arm me into paying money to their company. They are injuring me by reporting on my credit in return for me paying them money they have not validated. This seems like extortion I have asked for validation with no response. Today I request this with help of the CFPB for tracking purposes. I dont want to be strong armed into contracts with companies that will take advantage of consumers. 

Validate this debt 1 ) Please produce a contract bearing my signature to do business with your company 2 ) Send me an ORIGINAL contract 3 ) Copy of account payment history 4 ) The account statements from the original creditor 5 ) What is the balance I owe including original amounts, interest, fees and when was this account purchased 6 ) Did any credit bureau contact you regarding this debt? If so, which bureau? What was verified? 

I never received an opportunity to validate this alleged debt. I am requesting this information today.