davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
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. (FL)

I am in need of help from the consumer finance protection bureau regarding a lack of response from Experian the credit bureau. In XXXX of 2019 I opened a credit monitoring account after hearing of the XXXX  data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX  XXXX {$1200.00}, XXXX XXXX XXXX XXXX  XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX  XXXX {$370.00}, XXXX XXXX  XXXX XXXX  XXXX   XXXX {$300.00}.
Consumer complaint received 2024-08-14
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I just got a Synchrony Master Card, I pay my bills on line.. 
My bill is due on the XXXX of the month. 
I set up an electronic payment from my bank to Synchrony for that date. 
They did not process it until the XXXX and then charged me a late fee, When I asked why it was not posted on the day it was transferred to the bank I was told that it could take up to three days for a payment to be posted. 
I have never heard of a bank holding electronic payments for up to three or more days. 
All my electronic payments are credited on the day they are received, no I am not sure why Synchrony withholds payments., Seems that they want to hit their customers with the late fees. 
When I called they did reverse the late charge, Seems odd that they would withhold electronic payments since there is no need to manually do anything, Bank to bank transfers should be accepted and credited not withheld waitng for what I am not sure.
Consumer complaint received 2023-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is in excess of XXXX inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within XXXX hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within XXXX hours without proper investigation that they are valid. The false inquiries are as follows : 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 XXXXXX/XX/23 XXXX XXXX XX/XX/23
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

I attempted to access my TD Bank checking account with {$1200.00} using my debit card at two separate financial institutions and the transaction was cancelled without explanation. I received a voicemail message to call the Fraud Toll Free No. XXXX and was advised that they could not assist by phone, that I had to call customer service, or send a secure message behind their secure web app. After calling customer service XXXX I was advised that no one could assist - I was locked out of their customer support 0 and I was directed to go into a branch. The nearest branch is 20 miles and not open beyond my core work hours XXXX. I have been limited access for no apparent reason to my resources and the financial institution has not provided an adequate explanation or support to enable me access to my funds.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )
Consumer complaint received 2020-01-28
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. (PA)

Transunion credit report dated XX/XX/2019 shows page 10 of 11 under Supplemental Consumer Credit Information Auto Finance Inquiries last 3 months 2 I have not applied or sign nothing for no car loan or lease or any thing related to a car. 
Under Auto Finance Inquiries in the last 6 months & 9 months I have not applied for no car loan or lease with no bank or car dealership as stated on page 10 of 11 XX/XX/2019 credit report.I would also like the documents showing for what ever inquiries to such was made and by who and the credit application as well the dealer and proof of the transactions as stated on page 10 of 11 Transunion credit report.
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Please see Current open case # XXXX XXXX Loan update XXXX XXXX XXXX, XXXX The loan application origination date of XX/XX/2019 continues with mistakes and delays. Im really not sure why I continue to remain with only a loan processor when we are approaching the 90th day of the application. 

Most recent item of delay is : I received an incorrect and out of date Appraisal for my refinance and given a value of my property substantially less than its value and then was told I would not qualify for the original loan rate I was approved for. I was even sent the incorrect Appraisal referencing another lender and different owners, I had to send this incorrect copy back to XXXX XXXX in order for them to take my word that the appraisal they have on file is incorrect. I believe at this point a Supervisor should be involved in this loan by now, although I am still at the beginning stages with a loan process ( not even a loan processor leader ). 

Could I have some assistance with this matter? I continue to receive additional delays and am still currently awaiting the correct appraisal.
Consumer complaint received 2020-01-28
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. (LA)

I contacted the following creditors who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. I request you to show me PROOF how the following hard inquiries are factual records! Show me a signed credit application, giving them permission to access my credit file or DELETE the following hard inquiries. 
My lawyer will be waiting for your results from your bureau.
Consumer complaint received 2020-01-28
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. (VA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-07-24
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. (FL)

IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.
Consumer complaint received 2023-07-24
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. (CA)

After reviewing my credit report, I have noticed that there is a very large amount of inaccurate information, That I am writing to dispute. I have filed identity theft reports with law enforcement, and this letter is to address Experian directly in order for them to make changes and restore my credit back to an exceptional credit score. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the bias of material misrepresentation. 

I first would like to note that I have never authorized Experian to have possession of my social security number. The Experian LLC has never received any authorization from me to have access to my private social security number. The only individuals legally authorized to have my social security number are myself, the Social Security Administration and the individuals I shared it with. Anyone who has bought, sold, or trafficked my private information is guilty of identity theft and fraud. 

In XXXX an LLC asked me for my social security number in order to do a credit check. They did not inform me that they were going to traffic my social security number to another LLC that was going to monitor me for the rest of my life. Posing as some sort of government bureau playing a game of hide-and-seek according to their bylaws on how they think credit should work. Experian never sent me notification, a contract, or instructions until XXXX. ( 17 years later ) Therefore this is unfair business practice and should be restored to exceptional XXXX XXXX. 40 % of their credit process, it's doing business with other LLC 's that approve of and authorize this sort of behavior. Of trafficking, selling and bidding for social security account numbers. Which is totally unacceptable. 

This letter is in reference to my account activity and how it should look before full reimbursement and restoration of credits. The other unidentified transactions are not information related to any transactions made by me as a consumer. You are required to do what I am asking, which is block and delete these transactions from being reported to My Consumer Report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2017-11-07
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: EQUIFAX, INC. (MO)

I WAS AFFECTED IN WITH THE EQUIFAX BREACH. MY INFORMATION WAS COMPROMISED. MY NAME, HOME ADDRESS, DOB, SSN, EMAIL ADDRESS, PHONE NUMBER, CREDIT CARD AND DEBIT CARD INFORMATION, ALSO MY IRS ONLINE ACCOUNT WAS ATTEMPTED TO BE ACCESSED ON XX/XX/XXXX, ACCOUNT WAS LOCKED DUE TO UNSUCCESSFUL ATTEMPTS ( 3 ). I HAVE HAD TO CLOSE DEBIT/CREDIT CARDS DUE TO UNAUTHORIZED CHARGES. I MAILED EQUIFAX A LETTER WITH FTC REPORT ETC 42 DAYS AGO AND JUST LAST WEEK ON XX/XX/XXXX I RECEIVED A LETTER FROM EQUIFAX ADVISING THAT I WAS COMPROMISED AND MY CREDIT CARDS WERE ACCESSED ETC. I FEEL IF I DID NOT SEND THAT LETTER THEY WOULD HAVE TAKEN THEIR TIME TO SEND ME THE LETTER ADVISING OF MY INFORMATION BEING COMPROMISED.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I have filed a dispute previously and received communication from the company, however, my initial concern, that I did NOT receive notification from company '' prior to this being placed was not discussed in their responds to my dispute. I have not received any calls or voice mails from this company and the letter that they provided never reached me, the address that is on the letter that they have attached to my previous dispute is not a valid address for me, I have also had my mail forwarded so had they placed a correct address, I would probably have received it and would have been able to deal with this accordingly. AGAIN, the address listed on the letter that the company provided on my last dispute, IS NOT a valid address, there is NO LOT number on it, therefor it must not have been placed into a mailbox or forwarded to me. Also I had disputed with the initial company When I vacated the premises concerning the owed rent. I have NOT received any information from them concerning ANY type of fees. How am I supposed to receive ANY information, if THEY have listed an incorrect address. Therefor, I am once again requesting that this be removed from my credit report and that if there is something truly owed, that I be provided with an itemized statement of what is owed so that I can review and either dispute charges or make payment arrangements if I feel that the charges are accurate. I am not trying to get out of my obligation if there is truly an obligation, however, I am requesting that this be removed from my credit as I have never received anything from either company due to their error in placing the correct address and that the process starts fresh with them sending me the itemized list of charges owed. 

I am attaching a copy of the letter that was provided to me with my last dispute that reflects that this is not a correct address.
Consumer complaint received 2015-10-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I had a rental advertised on XXXX.I had a person named XXXX XXXX apply to rent it.He gave me a XXXX XXXX check for {$1000.00} to hold it, he had an unlawful detainer on his record so I denied him rental.He then got a friend/employee of US Bank, my bank, to illegally access my US Bank account on two different dates, XXXX and XXXX XXXX, confirmed by my home bank manager, XXXX XXXX of US Bank XXXX , NV . The employee who illegally accessed my account is XXXX XXXX, XXXX branch of US Bank in XXXX XXXX, the employee/friend of XXXX XXXX, he gave the person off of XXXX my physical address off my personal checks, I confronted the employee directly and he lied to me about accessing my account, even though I already knew where and when he did and started sending me condescending, baiting emails when I told him how dishonest he is.Now the person off of XXXX is sending me threatening letters, stalking me etc.I am now putting my home up for sale and I am scared to death.This is multiple violations of the Ca. financial privacy act.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the XXXX website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX XXXX XXXX. )