davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/year> synchrony bank charged me a {$41.00} late fee and a {$2.00} interest fee on the late charge. According to everything I have read the Biden administration past a law capping late fees at {$8.00}
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I paid off my Mortgage on XX/XX/2023 and have an escrow balance of {$1500.00} that I was told mailed to me on XX/XX/2023. I called US Bank on XXXX to notify I had still not received my check and was told nothing could be done till after 30 days from mailing. I called US bank again on XX/XX/XXXX and was told a replacement check would be sent. This morning XXXX I called inquiring why I still haven't received my check and was told they had no record of my call, they then said the only thing they could do is put in a replacement check request and it might be up to 30 days again before receiving it. I have other accounts with US bank and asked if I could have my balance owed transferred to my account, wired to my other bank, a check overnighted to my home or any other possible form of expediting my funds but told, no. It is unfair and should not be legal that they can keep my money for an extended period of time without paying me interest or making any attempt to correct their many errors in processing this payment.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

When we learned that the payee never received the bill paycheck, we first contacted the back on XX/XX/XXXX, telling them that Check No.XXXX sent by them on XX/XX/XXXX, was not received by XXXX XXXX XXXX who is the payee and were told they will investigate as we requested to credit our account for the {$400.00} the check was issued and debited to our account, but never has been cashed. We called again on XX/XX/XXXX, and we were told to call back on XX/XX/XXXX, which we did and still no response. The next calls were made on XXXX XXXX and XX/XX/XXXX, and every time we called, we got a different explanation from the customer service rep. that answer our call. 
Then on XXXX XXXX we called again and were told that they have found that the check has been cashed but couldn't tell me by whom and that they were going to mail us copy the paid check. By XXXX XXXX we called again as we haven't received the copy of the paid check, they were supposed to mail us, and this time the response was that we needed to go to the bank branch to solve this problem, so we did and spoke with the bank branch manager and another bank employee and the bank re-open the case on XX/XX/XXXX, with Case No.XXXX. XXXX XXXX XXXX XXXX is a non-profit organization that needs every penny available in order to help the community, so these {$400.00} are very much needed to be credited back to our bank account.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I got divorced and changed my name. I sent in the divorce decree name change social security card and ID to experian but they refuse to update my name. I've sent them the documents several times and they either say they didn't get them or they need more. They also said they could see both of my names and they need to be combined into one account but won't do so and just keep asking for the same documentation I've already sent in.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been for years trying to deal with this Identity theft on my own and have had to hire lawyers in order to sue credit bureaus as they are giving me an extremely hard time removing these fraudulent accounts from my credit file. Someone stole my identity and opened up over XXXX accounts in my name using my information. I have sued XXXX and XXXX and they have corrected the issues, but Transunion will not and I have decided to file suit against them as well. 

Creditors are telling them that the information is accurate and it is not. I am sure it shows accurate because they used my information but I did not authorize ant of this. 


This will be my last time trying to get TransUnion to fix this before I file suit. 
I will file suit against XXXX as well again XXXX refuses to remove the following accounts XXXX XXXX XXXX {$150.00} XXXX XXXX  I had several XXXX XXXX accounts and paid all OUTSTANDING this negative one reporting should not be there! XXXX XXXX XXXX is showing on my credit file with a XXXX balance and negative and this is a fraud account. XXXX XXXX XXXX is showing as a collection on my account from a fraudulent XXXX XXXX XXXX account that is not even showing on my XXXX credit report for XXXX $ XXXX XXXX  11 hard inquiries and i was told just because I financed a car a year ago that it was mine and that is it not true as i did not give XXXX XXXX  ( reporting 2 times ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PERMISSION to run my credit. 



Transunion is reporting all of these fraud accounts on my credit file and I will file suit XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$6200.00} XXXX XXXX {$110.00} Not only are they reporting fraud accounts but also have these accounts listed multiple times on my credit file. 
Transunion is also reporting Tins of Inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will use this as proof in court that I have tried disputing with both XXXX  and transunion Transunion also has my debt totally wrong because of all the fraud accounts
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (VA)

I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-04-23
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. (GA)

Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX {$810.00} XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX ( XXXX account ) Account Number : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act this Creditor : XXXX XXXX has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it aslo states a consumer reporting agency can NOT furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not a payment on a credit car/loan account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

XX/XX/2024 - I enter a bar in XXXX and verbally agree to buy drinks for a lady working there for XXXX XXXXXXXX {$20.00} USD per drink. I order somewhere between XXXX drinks so my total " expected '' bill is in the $ XXXX range. I notice on my app that they have overcharged my credit card without my permission for nearly {$3000.00}, they do not provide me with a receipt and refuse to refund any charges. I call my bank that night and they tell me is it not fraud but a dispute and I have to wait for pending charges to clear. 

XX/XX/2024 - I file the dispute as soon as the charges are no longer pending. They ask for documentation which I have none of because the merchant didn't provide me a receipt or have me sign anything. I tell BOA what I expected to pay, and only dispute part of the ( {$720.00} ) charge on the first transaction, then I fully dispute 2 duplicate charges for ( {$900.00} ) that I did not authorize. 

XX/XX/2024 - Bank of America denies my claim attaching receipts from the merchant that are fake with a signature that has my first name on one charge and my last name on another charge. I would never sign just my first name but they accept these fake signatures for some reason. You can even seen that my first name is pasted on one, and my last name another. I NEVER signed these receipts, this part is absolutely fraud but BOA still denies me. 

I am now out close to ~ {$2000.00} in fraudulent charges because BOA is supporting a merchant who cheated the system and myself.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were not opened by me at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute inaccuracies in my credit report, specifically regarding late payment information. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness and financial standing. 

I have identified that this account erroneously reports late payments. However, I have maintained a consistent payment history and have not been late on any payments during the mentioned periods. This inaccurate reporting is damaging my credit score and financial reputation, which may impact my ability to obtain credit in the future.

Furthermore, I believe these inaccuracies may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by [ Creditor 's Name ] to your agency is demonstrably inaccurate, as evidenced by my records and payment history.

2. Section 611 ( a ) ( 2 ) ( A ) - Reinvestigation of Disputed Information : I request a prompt reinvestigation into the disputed information to ensure its accuracy, as mandated by the FCRA.

3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : [ Creditor 's Name ] has failed to correct the inaccurate reporting despite my previous disputes, which is a violation of their duty under the FCRA.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I discovered in XX/XX/XXXX a new PayPal Credit card account ( Synchrony Bank ) on my credit report, and it affected my XXXX XXXX and the loan rate I could get for a new car. Since then, I have been disputing that this account belongs me. It apparently was opened in XXXX and there were some cash advances, purchases and payments. The debt they are wrongly attributing to me is now about {$15000.00}. I did not open the account, nor did I benefit from it, nor did I make any payments. I only became aware of it in late XXXX. I filed a police report in XX/XX/XXXX and submitted it to Synchrony Bank ( at their suggestion ). I have called many times in the last XXXX  years and have filed multiple fraud reports with Synchrony Bank investigations department. I provided lengthy and detailed explanations of my situation -- since early XXXX and as recently as XX/XX/XXXX. I have requested a copy of the original credit application per my rights under the FCRA ( verbally on multiple phone calls, and in writing via fax in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and I have not received it from Synchrony Bank. When I call to follow-up, Synchrony Bank company representatives verified that they received my faxes and then opened up new fraud investigation reports. Without calling me or requesting more information, Synchrony sends me a letter stating they closed the investigation ( not in my favor ) and continue to send me bills. I believe there is a bank error or some kind of identity theft happening. Synchrony Bank is failing to comply with the XXXX XXXX XXXX XXXX by not sending me what they say is the credit application I submitted in XXXX. I am XXXX old and am exhausted and frustrated dealing with this! I am going to get help from an XXXX service in my city.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

HSBC XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX/ HSBC XXXX XXXX stated that a check for the amount of {$3000.00} was sent out XXXX XXXX. I XXXX XXXX informed HSBC XXXX XXXX that I did not receive the check. HSBC XXXX stated that she would reissue the check. I XXXX XXXX called XX/XX/XXXX and spoke to XXXX and asked her whether or not HSBC reissued the check. HSBC XXXX XXXX stated that she was out and she would contact me XXXX XX/XX/XXXX. I called HSBC XXXX XXXX and she stated that she was in a meeting and she would return my call later on today. I did not get a phone call from HSBC XXXX XXXX concerning the check for the amount of {$3000.00}. I'm waiting for a representative to call concerning the issue. I XXXX XXXX called and have requested a payment history for XX/XX/XXXX - XX/XX/XXXX. I XXXX XXXX have requested statements for year XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. A HSBC Rep created a workorder and the information should be sent to Fax Number XXXX. The HSBC Rep stated that the information should be available within two days
Consumer complaint received 2024-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-29
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. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ON or around XX/XX/year> I was contacted by who I believe to be XXXX XXXX XXXX XXXX ( XXXX ) to update my mortgage payments to ACH auto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified unil a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local Police Dept. I also found that someone opened up a fraudulent XXXX account on or around the same time may have been intercepting any call from XXXXXXXX XXXX XXXX XXXX Please deleted or remove XXXX XXXX # XXXX. I am a victim of Theft by Deception. I am filing a complaint with the CFPB as well as FTC.
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Received a Call from a company identifying themselves as Portfolio Recovery Associates looking for ex- wife on a mobile phone that is owned by ( husband 's ) employer. Agent for Portfolio asked if we resided at an address where wife grew up. She has not been a resident at the said address for 18 years.