davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Many years ago, I authorized the XXXX (? ) insurance company to initiate XXXX debits of {$90.00} from my savings account on XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX insurance. 

I barely use this account and I forgot about these infrequent debits, so the XXXX debit on XX/XX/year> failed and I got charged an NSF fee. 

I then received an e-mail from XXXX XXXX XXXX that basically said - pay {$90.00} + {$3.00} manual billing fee by XX/XX/year>, or we'll cancel your insurance. 

I have never heard about XXXX XXXX XXXX and I chose to ACCEPT their offer/terms by NOT making a payment and stopping this insurance. Besides, in the age of scammers, it is dangerous to contact them and give them payment information. 

They initiated another debit of {$90.00} on XX/XX/year>, which failed and resulted in more NSF fees. And send me another e-mail that basically says " Oh, we changed our mind, if you pay {$93.00} you can have your coverage back ''. 

Let 's play XXXX 's advocate for a second. If the {$90.00} debit had gone through, would I know if I have insurance? Because their letter did say - pay {$93.00} via check or on our website by XX/XX/year> or we'll cancel you. And {$90.00} is less than {$93.00} and another {$90.00} for the next period would have been due. If I can't figure out what the {$90.00} debit is for, I could NOT have possibly authorized it, just like I didn't authorize a debit for an arbitrary other amount for uncertain purpose. Furthermore, the company who is initiating the debits is unfamiliar and NOT an insurance company and I never authorized THEM to issue debits. I can't be sure that my money is going to the right place and/or how to file an insurance claim. 

Apparently, they feel that they can issue arbitrary debits for arbitrary reasons, which feels like an extortionate threat. 

I allege that : - they failed to properly inform me of the change of insurer, contact information, practices, etc ; I never authorized anyone, but the original insurer, to initiate debits ; those are material changes and my contract should be voidable at my option all the way back to the original change- the XX/XX/year>, debit was unauthorized and contrary to their letter/offer- the single unauthorized debit constitutes attempted theft and wire fraud - the pattern of mail fraud by XXXX co-conspirators, who benefit from it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX San Diego County Credit Union XXXX XXXX XXXX, who marketed me this insurance and benefits form NSF fees and kickbacks ) ; may constitute racketeering under federal XXXX statutes ( subject to treble damages over many years and many victims )
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently dealing with identify theft and the thieves are calling into Transunion and XXXX to unfreeze or unlock my credit report. These two credit bureaus do not offer adequate security against identity thieves that has your address, date of birth and social security number. Using these 3 pieces of information they're able to pull your credit report using several different methods, including XXXX. All 3 of the major bureaus uses your credit report as the security method to verify your identify. Tranunion and XXXX do not offer methods of providing additional security to prevent further attempts on an individuals credit. They security of their online accounts can be easily bypass by calling into customer support to have the account login information changed.
Consumer complaint received 2024-05-13
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. (GA)

I value your help to FIXED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXXXXXXXXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-06-23
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: SYNCHRONY FINANCIAL (MA)

Synchrony Bank Verizon VISA has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened 7 weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR.

Verizon Bill Pay website shows I have made the following payments XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX} VISA XXXX XXXX} VISA XXXX XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA  There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are at fault. 

I WOULD LIKE MY BALANCE XXXX XXXX TO THE CORRECT/CURRENT CHARGES WHICH ARE XXXX PER MONTH AND NO OUTSTANDING CHARGES. 


It has been 8 months now with NO HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-06-24
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: SYNCHRONY FINANCIAL (MA)

Synchrony Bank XXXX XXXX has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened XXXX weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR. 

Verizon Bill Pay website shows I have made the following payments XX/XX/XXXX XX/XX/XXXX {$35.00} Cash XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA My Checking Account shows I have made the following payments XX/XX/XXXX {$120.00} ( Initial Bill ) XX/XX/XXXX {$76.00} XX/XX/XXXX {$00.00} ( This is what Verizon told me I owed because they credited my account ) XX/XX/XXXX {$17.00} XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

Synchrony has not reported the account as delinquent, but only by {$67.00} and only for a single month. See attached. Which is it? Four ( 4 ) days ago they told me I owed {$280.00}, but today they told XXXX that I only owe {$67.00}. Someon is purposely trying to destroy my credit score and whomever is doing it at Synchrony Bank needs to be FIRED! 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are in fault. It has been XXXX months now. 

I NEED HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there are XXXX or more late payments reported on my account with XXXX XXXX XXXX that I believe are incorrect. This reporting violates the Fair Credit Reporting Act ( FCRA ), particularly under XXXX XXXX. XXXX, which requires that only accurate and verifiable information be included in a consumers credit report. 

**Details of the Disputed Late Payments : ** - Creditor or Business Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Date of Late Payment : XX/XX/year> Furthermore, Section 602 of the FCRA ( 15 U.S.C . 1681 ) highlights the consumer 's right to privacy and the need for consumer reporting agencies to ensure the confidentiality, accuracy, and proper utilization of consumer information. The incorrect reporting of these late payments infringes upon my right to privacy by disseminating inaccurate and potentially damaging information. 

Additionally, under Section 604 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681b ), consumer reports can only be furnished under certain permissible purposes, and I have not provided any authorization or consent for the reporting of inaccurate or misleading information on my credit file. The dissemination of incorrect late payment information violates these conditions and has caused undue harm to my creditworthiness. 

I request that you investigate these discrepancies. If the reported late payments can not be verified as accurate, I ask that they be corrected or removed from my credit report immediately. 

Under 15 U.S.C. 1681i, the FCRA mandates that credit bureaus conduct a reasonable investigation of disputed information and correct or delete any inaccuracies within 30 days of receiving a dispute. I also request that you provide me with a detailed report of your investigation, including any documentation the creditor provided to verify the accuracy of the reported information. 

Please send me confirmation of the removal or correction and an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I entered into a settlement agreement with Citi on XX/XX/year>. The terms of the agreement is that my balance must be paid in full within 90 days of making the first payment which I made on XX/XX/year>. The full settlement amount must be paid by XX/XX/year>. During the 90 days, my account will be brought current and all interest and fees will stop. However, Citi is reporting to the credit reporting agencies that my account is still delinquent and I did not make a payment in XXXX. Initially, Citi did not report the XX/XX/XXXX payment I made. I have disputed the information Citi is reporting twice now. The first time I disputed it, Citi corrected the last payment date to XX/XX/XXXX. However, Citi did not update that my account is no longer past due. Citi is still reporting my account as 90 days past due with XXXX, XXXX, and XXXX showing as missed payments, even though I made a payment on XX/XX/XXXX and my next two payments are scheduled for XX/XX/XXXX and XX/XX/XXXX, which takes care of the full settlement amount and Citi scheduled and approved the payment dates and amounts. These payments meet the terms of the settlement agreement. Citi is reporting information to the credit reporting agencies that violates the terms of the settlement agreement which is outlined in two letters Citi sent me. After disputing this information twice, Citi still has not updated the status of my account to reflect the terms of the agreement. My account status should be current and should not show 90 days past due with payments missed in XXXX and XXXX.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc. (HI)

My name is XXXX XXXX, email- XXXX I am a victim of the XXXX XXXX bankruptcy. My complaint is with law firm of Stretto, who has been assigned to payout proceeds of the bankruptcy settlement. I have yet to receive my funds. They do not answer inquiries, they have failed to payout my distribution due to their incompetency, total disorganization, and complete lack of regard for persons affected by this bankruptcy. I was supposed to receive my money on XX/XX/year> and their codes to redeem crypto distribution failed to work right from the start. 6 months later and we are still nowhere and they don't even answer inquiries and I have yet to be paid out. I have sent them 4-5 emails providing information that should have allowed them to pay me out but I am still waiting. They are sitting on XXXXXXXX XXXX XXXX of dollars from this case and they refuse to pay myself and others out. Please help! 
XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TN)

The VA loan I took with XXXX XXXX was quickly sold to Newrez after closing. I have been in this building for 3 years having purchased a unit with a VA loan through XXXX which was transferred to XXXX XXXX. I sold that unit a purchased a larger one in the same building financed through XXXX Mortgage. After the loan was transferred Newrez notified me the HOA insurance was inadequate, it was fine for XXXX XXXX. Newrez is charging me for additional insurance which it seems I have no choice. According to the letter sent to me Newrez claims they don't have the documents proving insurance from the HOA but I have sent them documents and talked on the phone for a long time with their rep.
Consumer complaint received 2024-08-29
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report.

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name XXXX XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws. 

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. XXXX failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law. 

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections.

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.
Consumer complaint received 2024-06-06
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-22
Product: Credit 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: SYNCHRONY FINANCIAL (OH)

Order date : XX/XX/year> Order total : US {$86.00} Order number:XXXX 
Reported I didnt receive the item : Request XXXX on Sent : XXXX XXXX XXXX XXXX the seller sent the package to my address. tracking information states item was delivered in or at the mailbox at XXXXXXXX XXXX on XX/XX/year> in XXXX, OH XXXX. 
Per USPS the package was sent to ( see attached ). These are the emails from USPS as to where the package was delivered and there weren't any packages delivered to my address on the day it states delivered.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Iam a victim of identity theft and the ( XXXX ) MAJOR CREDIT BUREAUS and reporting fraudulent information such as unknown addresses mix information on my credit reports like account opening dates as well as reporting dates this need to be fixed asap the FTC AND POLICE IS BEING UPLOADED TO THIS COMPLAINT.
Consumer complaint received 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IN)

Mohela has some serious issues. 

They transitioned their website, and in doing so several things are wrong. I've attempted to correct this with them and have spent several hours on the phone to get nowhere. They have no managers that are available to solve the problem and the customer service reps are not educated or able to resolve my issues. 

The issues are XXXX. They put my loan in XXXX  -- this has since been resolved XXXX. They did not accept my XXXX monthly payment, thus I did not benefit from the XXXX plan for that month XXXX. They capitalized my interest on my loan with no justification. I checked the reasons they can do so, and they have no basis. 

Thank you for your help in finding a resolution.
Consumer complaint received 2024-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I've not missed any payments, yet my home is out for foreclosure for charges I do not owe and will not pay. 

continued problems with the leadership of CFPB and the revocation of criminals operating in the XXXX illegally. 

XXXX judgement how many times do I need to repeat the same thing?
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXX  Account Number - XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (DE)

I had my credit card at Wells Fargo charged XXXX not my charges. My accounts have been hacked over 4 times since XXXX a the back does nothing ..I will not pay this credit that was fraudulent charged to my account. I filled another one that was XXXX in XXXX nothing resolved back told me to take care off need help ..My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been fighting issue since XXXX an is XXXX  my fianc.What other agency do I need to help deal with fraud charges. I have all information names of who stole money..