davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-01-31
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. (TX)

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX  by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Consumer complaint received 2021-01-31
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. (WA)

Re : TransUnion I am trying to see my credit report which by law, I am entitled to, for free. And I can not see it or open an account without having to file a credit card number on file for their monthly fee. The XXXX  of a credit monitoring company housing all MY credit information, using it a financial tool tied to my identity and insisting I pay for their programs to see MY OWN CREDIT!!!! I can not file disputes. I can not see if information is accurate. I can't even see IF MY IDENTITY HAS BEEN STOLEN!!!! 

Reprehensible.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under XXXX XXXX  name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Consumer complaint received 2021-01-31
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. (NY)

On XX/XX/XXXX my bill for account MACY'S/DSNB Opened XX/XX/XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile.

With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

Hello, This complaint is about PennyMac Loan Services for a mortgage loan that I had in the XXXX timeframe. An escrow account was set up at the beginning of the loan to pay property taxes and insurance, and this was funded as normal through my monthly loan payments. In XX/XX/2019 PennyMac stated that a {$2600.00} payment was made from this account to pay my XXXX County, Missouri XX/XX/XXXX property taxes, however a year later I found out that no payment was made and I had a year of delinquent property taxes. I reached out to XXXX County, Mo and spoke to their treasury department and confirmed that no payment was made to my account, and then reached out to PennyMac through multiple means. Apparently there is no way to contact the department that pays property taxes through escrow accounts other than their online message feature on their web site. I started this process two months ago, and haven't been able to get anywhere with this company. I just want my {$2700.00} back during these very difficult times. Any help you could provide would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-31
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)

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the Experian, XXXX  and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
Consumer complaint received 2021-01-31
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: Creditors Bureau Associates (GA)

CREDITORS BUREAU ASSOCIA Reported : XXXX XXXX, 2021 {$860.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

EVERY NUMBER I TRY TO REACH A LIVE CUSTOMER SERVICE PERSON CUSTOMER AT EXPERIAN LEADS TO AN ENDLESS LOOP OF QUESTIONS AND NO OPTION TO SPEAK WITH A LIVE AGENT. THE NUMBERS I HAVE TRIED INCLUDE : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. I CAN'T BELIEVE THIS COMPANY IS ALLOWED TO GET AWAY WITH HANDLING ALL CUSTOMER SERVICE BUSINESS BY A RECORDING. I AM REACHING OUT TO MY LOCAL, STATE & FEDERAL OFFICIALS TO COMPLAIN ABOUT THIS ISSUE.
Consumer complaint received 2021-01-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/21 I applied for a credit card online and gave consent to hard Inquiry credit check, experian credit score used to make credit decision and offer for approval is almost 16 months old.. my current score is XXXX by XXXX XXXX credit monitoring, XXXX by experian 's own app but my score on XX/XX/21 by XXXX XXXX XXXX for a XXXX XXXX card was XXXX. I highly doubt 100 points of discrepancy is data from experian. 
Please provide a credible explanation. 

Thank you XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/year>, I opened a XXXX RELATIONSHIP MONEY MARKET account in response to an advertisement for an 5.3 % APY that would be fixed until XX/XX/year> on any new funds added to the account. I wired funds into this new account on XX/XX/year>. 

On XX/XX/year>, I called and complained because my interest received was at a 4.69 % APY as reflected on my statement. I spoke with three people at the bank ( only name I wrote down was XXXX XXXX, none of whom were able to properly calculate simple interest and who tried to convince me that I was receiving the advertised rate of 5.3 %. The matter was eventually resolved by a regional manager who had determined that the computer incorrectly calculated the interest, and I was credited with the missing interest payment. 

On XX/XX/year>, after multiple hours of attempts via email and calls to XXXX and local numbers, I was able to speak with XXXX XXXX, XXXX about my XXXX statement that showed an APY of 4.71 %, and had significantly less interest paid than the prior month even though the balance was higher. Again, he tried to explain that this was the annual rate and that's why it wasn't showing the 5.3 % that was promised to me. This is a recurring problem with this bank, and since it is calculated incorrectly by computer, then it has the potential to affect every customer, not just me.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called to report money missing from my BANK OF AMERICA EDD DEBIT CARD. The representative said he was going to be sending me a new card there were still a remaining balance in my account and he did not give me the option to transfer the money to another checking account. EDD then deposits an amount that Bank of America then puts together with the old account and closed it. Bank of America near that it was a new deposit but kept it with the problem cart and did not allow me to activate the new debit card that I received. After many phone calls to Bank of America and the EDD sponsor Bank of America keeps saying that the county is closed and they are basically holding my money XXXX I never got any money credited or any type of reimbursement instead I got a letter saying if you contact us by phone or in writing you may request that we reopen your claim for further consideration but they dont even do that they just say that it is closed and they can not do anything about it. One BofA agent had me drive to a branch to ask for my money a day before XXXX. BofA Agents took me for a fool. I even filed complaints if they allowed me but im not sure if they did file the complaints
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I got a copy of my credit report from XXXX  and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If XXXX  cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I use autopay for most of my bills to ensure they are paid on time. However, I use the paper statements, sent in the mail, to validate purchases and reconcile my bank accounts. Furthermore, I check my email infrequently so I never enroll in paperless statements with billers. When checking my email, I noticed the attached " Email 1 '' from Synchrony bank sent on XX/XX/XXXX informing me that my Amazon Store Card account will switch to paperless billing. Upon discovery of this email, I clicked the link to continue to receive paper statements. Now I'm keeping a much closer eye on my email in box and received the attached " Email 2 '' on XX/XX/XXXX announcing that my " statement delivery is about to change. Again, I clicked the link to continue to receive paper statements. I should not have to respond to weekly emails to continue to get my credit card statements mailed to me. I wonder how many Synchrony credit card holders were impacted and how many did not see a notice of this change. I believe it is also very likely that some people could potentially miss a payment and be subject to late fees and interest charges as a result of not getting their statement in the mail as they have become accustomed. I always thought that consumers had to agree to receive paperless statements but apparently sending statements in the mail has become a cost burden for a company that charges almost 26 % interest. This is ridiculous and should be illegal.
Consumer complaint received 2021-01-31
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: CITIBANK, N.A. (PA)

CitiBank sent a 1099 to the IRS for an alleged credit card from over 10 years ago that I never had. I requested via Certified Mail a copy of the backup, charges, i.e., all information regarding this account while I also notifying CITIBANK and the IRS that all charges or claims that I had this card are disputed and to send verification of the debt. CITIBANK refuses to send this information and the IRS says that if they don't I will have to pay the IRS over {$2000.00} for a card that I never had. 

The first notification I received about this alleged credit card was from the IRS, not CITIBANK. At no time within the last 10 years have I received information or notification of such debt from CITIBANK. They refuse to discuss over the phone and will not honor my requests for information via USPS Certified Mail.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2018 my bill for account COMENITY BANK/XXXX did not go through when it was on the auto-bill in the bank XXXX  XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2021-01-30
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020. 

At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX. 

I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms. 

I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX. 

I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision. 

I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered. 

Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.
Consumer complaint received 2024-10-21
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. (SC)

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.