davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

I have a TJ Maxx credit card offered by Synchrony Bank. Recently I had made some purchases on the card and later returned some items from the purchase. Some time after paying what I believed to be the balance on my account ( {$20.00} ), I received a notice from Synchrony that I was charged a {$27.00} late fee plus {$2.00} in interest. I immediately called Synchrony to enquire what had happened. It was then that I learned that I should have paid {$25.00}, but due to a miscalculation on my part I only paid {$20.00}. I told the Synchrony rep that I never pay my credit cards late and always pay the balance in full, and that this was purely due to an oversight on my part, and asked him to refund me the fees. He said he could refund the late fee but not the {$2.00} in interest. 

I then asked him to transfer me to manager or someone else who could help. He transferred me to someone named XXXX XXXX extension XXXX ). She informed me that she also could not refund the {$2.00} in interest and that was the " minimum interest '' that could be charged. I then said OK, I will pay off the balance now ( {$5.00} balance plus the {$2.00} interest ) but want confirmation that I will not pay any more fees. She then informed me that she can not guarantee that because I would still get another charge for interest from the time of my last statement closing until the balance is paid. However, because Synchrony has a minimum {$2.00} interest charge I would get charged another {$2.00} because that is the minimum amount that Synchrony charges. So it doesn't matter what the actual balance is, a customer will always be charged a minimum of {$2.00} in interest if they are late on their payment.

So effectively, I will get charged {$4.00} in interest because I mistakenly did not pay a {$5.00} balance. This is per se usurious. Synchrony Bank is knowingly acting in bad faith to XXXX over customers with tiny balances, and not offering any exceptions when an otherwise timely paying customer makes a small mistake. The bank is trying to hide behind " their policy '' when their policy is unconscionable. XXXX even told me that if I did not pay the additional interest ( after the initial {$2.00} charge ) I would get a late fee added on top of that. 

Synchrony Bank is a fraudulent bank that engages in deceptive and unconscionable business practices. They do this knowingly thinking that most people will not complain and simply pay these small fees, which add up to millions of dollars.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made an in person check deposit at the Bank of America at XXXX XXXX & XXXX XXXX. I was told the funds would be available in my account the next business day. The funds were made available the next business day and I began paying bills that were due using these funds. Bank of America then decided to place an extended hold on the deposit and withdrew the funds of the deposit causing payments for bills to be returned. I was assessed late fees. Bank of America refuses to release my funds or credit me for the late fees. Bank of America has done this previously and has been the subject of other CFPB and OCC complaints but has not changed their practices which harm consumers.
Consumer complaint received 2024-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (MD)

I received a property tax refunds from Washington, D.C. Office of Tax and Revenue ( OTR ) for overpayment of my property taxes. These refunds were sent directly to SN Servicing and they did not apply the refunds based on my request that these refunds be applied to my mortgage payment and they did not provide me with information on how these refunds were applied to my account. I have requested documentation to show how much refund was received from Washington, D.C.s Office of Tax and Revenue ( OTR ) information showing how these property tax refunds were applied to my account and have not received this information. Also, I have requested a payment history, and an escrow analysis and still have not received this information. The account manager is very rude and her rudeness is supported by her supervisor. She has hung the phone up on me on multiple occasions and have refused to provide me information on my account. I need help in making sure that the mortgage company has applied funds accurately.
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting another Complaint to demand that you remove the fraudulent items off of my Credit FIle. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit. I am demanding the deletion of the following items off of my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX Resurgent Capital Services XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe .What was provided was not any validation that this debt is mine. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX   or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024 I withdrew a small amount from my checking account via a bank machine at my local branch at Chase in XXXXXXXX XXXX When I got home some 10 mins later I received an email asking to confirm if I requested a new debit card. I called immediately to say NO. The rep said that after review, he thinks that the bank was doing due diligence and sending me a new debit card since mine will expire in XXXX of XXXX. This didn't sound right but I went along with the official bank decision. Following this notice, I received several other emails asking for me to confirm if I was in FL attempting to withdraw larger amounts such as {$4200.00} and then {$4800.00}. I kept calling saying NO it was not me but nevertheless the bank went ahead and released the money. During one of my calls, I was advised that the new bank debit card sent to FL was used to make these transactions. I subsequently called numerous times to get this straightened out and I changed all the cards and pin numbers. I also filed a police report and the Detective at XXXX XXXX in XXXX XXXX advised that most likely a skimming device was installed at the branch 's machines. 

Just when I thought after two weeks of constant calls to Chase this issue was resolved and my account would be credit some XXXX dollars I received another letter saying that the bank will once again take this money out of my account as their investigation showed that my card with a chip was used so therefore I must have been involved in these withdrawals in FL thousand of miles away from where I was!! 

I called the main bank number ( XXXX XXXXXXXX ) to file a complaint and to inform them that rather than talking to nummmmerous agents it would have been easier for me if they had a better system so that a global review team had my case so that I didn't have the run around that I was put through, but instead the woman rep said that she couldn't explain to me that all was done and then she hung up!! My other point is that if I wasn't an XXXX with mastery of XXXX XXXX and didn't wear XXXX XXXXXXXX like my XXXXXXXX XXXX does, I would have been out of {$9600.00}. What if I had XXXXXXXX XXXX and this was all the money that I had in my checking account, but no one wanted to listen. I had to wait until Chase did they due diligence for over two weeks and I still don't know if my money will be returned to me permanently. AWFUL service and trickery for the custodians of my hard earned dollars.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate Even after exercising 15 USC 1681i and sending letters to each credit reporting agency and there was no change. According to the FAIR CREDIT REPORTING ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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.

check the attachments below.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Recently checking my credit report I noticed that Ive been a victim of identity, theft, and found numerous credit increase I have no knowledge of. Here are the inquiries that I found : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have indentified certain information that is repoting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/1987. 
My correct Social Security number : XXXX - XXXX - XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX FL XXXX Please correct this typographical information inmediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit repot, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing o seek legal relief. 


I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA. 

Thank you.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I checked my credit and noticed unauthorized hard inquires that I did not give permission to. 
Hard inquires 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 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 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 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 US 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.