davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

To Whom it may concern, I am a victim of identity theft, and I did not authorize this charge with this merchant. I would like to ask you to please compel US Bank to remove the fraudulent charges, that any finance and other charges related to the fraudulent amount be credited back to my account, and that I receive an accurate statement. This request is made under the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). US Bank is currently in violation of the Fair Credit Billing Act. 

I have never authorized the following charges : XX/XX/year> XXXX {$79.00} XX/XX/year> XXXX {$79.00} Enclosed are copies of US Bank 's letter refusing to credit the fraudulent charge, Proof of my Identity, and the Identity theft documents supporting my position. Please have US Bank investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : US Bank 's letter refusing to credit the fraudulent account My California ID Identity theft report and Police report
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Comenity/Victoria 's Secret account # XXXX was reported as late, there were no late payments on this closed account. Please make sure XXXX XXXX credit report reflects no late payments. Please update their credit report and have it reflected that Comenity/Victoria 's Secret account # XXXX is in good standing and was never late. This needs to be reflected in XXXX XXXX credit report. We hope this resolves the ongoing issues with this closed account.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (IN)

Money was taken from my Account due to a payment to a Credit card and then activated a new one in the same day subsequently the Credit card super-imposed itself into my Account which threw off all my transactions and caused my Account to lag for more then a day.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I have a store credit card for Best Buy on XX/XX/2023 my card was refunded in the amount of XXXX after I cancelled an insurance plan I had with them. After I cancelled the plan they charged my other card to renew the plan eventhough I had already cancelled the plan. I was not aware they decided to charge my other card which by the way I was not aware of. The only reason I found out they charged my other card without persmission was because it was in default for no payments. I had not been keeping up with the payments since to my knowledge I did not owe anything they refused to clear the account and returned only XXXX I had to pay XXXX so they stop adding late payment fees which I should not have because I did not authorize that charge.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

My XXXX account was debited by phony credit card charges and XXXX phony bank debits. I notified the fraud squad ay PNC HQs and my account was frozen. Now, I need my money to be released and put into another XXXX  account with a new number so I can order blank checks and resume bill paying out of this new account. Yhe branch manager required me to get her a third copy of my XXXX  documents to be looked at by PNC 's legal dept located in several states, I was told. So I had my XXXX company email her the whole XXXX XXXX on XX/XX/XXXX, which was done. I have telephoned her to see if the " legal departments '' have perused the XXXX  documents and I can now have a new XXXX account or move my money to another bank. I have had no call back and today is XX/XX/XXXX. 
I need access to my funds. There is a large amount in that account, so please help me. I have called customer service at the XXXX number several times. Why can't I have my money to pay my bills?
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America called complaining I missed a payment. I always pay Bank of America on time to avoid late fees. This time they got me, though. For the XXXX time, Bank of America did not send me my bill in the mail. I have been calling Bank of America for XXXX months in a row to make sure they mail me my bill. This XXXX time, I forgot to call Bank of America and request my bill on time. So, I guess they were waiting for me to forget to call. My bill was not sent for XX/XX/XXXX payment and now I owe them big time in late fees. Never had I dealt with a company where I have to beg for my bill to be sent on time. I read in the news that credit card companies were looking forward to these extra fees. Its too bad that they stoop so low and not mail me my bill on time XXXX months in a row. 
Hilariously, the guy from Bank of America tried to get me to pay over the phone again. After I specifically told him that I did not think it was safe to give out my bank account number over the phone. There are plenty of scams going on in this world. I have no idea if these people really work for Bank of America. Anyway, I have to wait until Bank of America decides to send me my XXXX bill. Time is ticking, the interest is accelerating, Bank of America has me by the " hair '' and pulling hard at my bank savings.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NC)

Received an email invitation to open account with First Progress card, Synovus Bank. Filled out application for what was " advertised '' as a credit card. Deposit of {$200.00} was required which I paid. When I received the card, the only " credit '' I had available was the {$200.00} I paid less a {$49.00} membership fee. Effectively, I was sent a " debit '' card, NOT a credit card so it was false advertising from the start. I did use the card but was only able to use it once for a lyft ride and then several times at XXXX, a local grocery chain. Other locations didn't recognize the card at all. 
Since it was effectively my money, I don't understand why I am being charged interest and late fees upwards of {$150.00}. The card was cancelled in XXXX of this year. I have a " supposed '' credit balance of {$43.00} on the card which the company refuses to refund. I have no intention of paying these late fees and interest as I know I have been misled, and taken advantage of from the very beginning. I expect to have this debt of {$150.00} stricken and removed from my credit report. This was a card billed as a way to help build my credit rating, not damage it. I think the whole thing is a sham.
Consumer complaint received 2024-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

My credit card lender is capital one on XX/XX/XXXX I checked my credit score with XXXX and found out that my lender had took my credit card account off my report to them upon me contacting XXXX I found out that I had mistakenly filed a dispute with them and they said that my capital one card was no longer on their report. Upon finding out I reached out to my lender and explained to them that I am a handicapped person thats physically challenged and its hard for me to get around and that I needed my account info with my credit history reported do to the fact I was going to purchase a handicapped vechile because I needed my good credit score which was no longer on my report my lender kept telling the only way I can file a dispute is to write them and mail them info I explained to them my various XXXX and they still insist that I do so Afther calling my lender about 5 times Afther explaining to them that even win I have to apply for social security and anything else to my XXXX its done over the phone I had given them all my account info answered all security questions anything they need to know so finally I got them to file a dispute but thats takes 30 days or so I asked them do to my XXXX could it be any way they could send my old open account back to XXXX so that I can get my credit score back that was taken off. Upon me going back and for with XXXX 5 times or they told that it was a mistake about the account being taken ok my report and to contact Capital one which I did the dates were XX/XX/XXXX and the XXXX XXXX XXXX when I found out my credit score was gone off my report. I think that the companies should have some type policys implemented to assist people with XXXX
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I disputed the charges on this card as fraud and identity theft.I have been in XXXX  since XX/XX/XXXX and there is no way I could have made these charges from XXXX. I sent them a notorized affidavit for fraud and identity theft on XX/XX/XXXX. They replied that they couldn't do anything without a Police report. I explained to them that I could not file a report while in XXXX. Their last response was that their investigation found no evidence of fraud, even though I sent them a copy of my XXXX  ID Card. The Credit card account number is XXXX.
Consumer complaint received 2024-06-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mortgage Research Center, LLC (FL)

I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program The Department of Veterans Affairs informed me that its Veterans Affairs Servicing Purchase ( VASP ) program was released on May 31, 2024. 

The Veterans Affairs Servicing Purchase ( VASP ) program would allow me to refinance my home with a substantially lower interest rate and be able to stay in my home and avoid homelessness. On XX/XX/year>, I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program and Veterans UnitedXXXX XXXX XXXX informed me that the program wouldnt be available until XX/XX/year>. On XX/XX/year>, Veterans UnitedXXXX XXXX XXXX XXXX called me and said that the VASP program would not be available to request until XX/XX/year>. They seem to be purposefully stalling my request for assistance from the VA guaranteed home loan benefits by kicking the can down the road and plan to foreclose on my home loan thereby ensuring that XXXX be homeless. 

On XX/XX/year>, I rejected the loan modification offer from Veterans United Home Loans/ XXXX XXXX Loans because it increased my interest rate to 7.5 % with an increased payment to {$4100.00} per month. Also, I informed the VA loan specialist about this loan modification. In my original mortgage loan, I was paying {$3500.00} per month with an interest rate of only 5.5 %. Veterans United Home Loans / XXXX XXXX claims that theyre trying to help me; but it appears that they do not want to refinance the loan to a helpful and reasonable interest rate and monthly payment. More over, it appears Veterans United Home Loans / XXXX XXXX just wants to take my home and not provide me the beneficial opportunity to refinance at a reasonably helpful interest rate and monthly payment. And, Veterans United Home Loans/ XXXX XXXX does not want to refer me to the VAs VASP initiative so that I could get a greatly less interest rate with a lot lower monthly mortgage payment.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

2022 I payed off XXXX XXXX XXXX. 
They fed loan claims I still owe more. Will not show amount. Also, never reported to department of education.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (AZ)

I submitted a request on XX/XX/2022 and I have not received a response from XXXX or Equifax and it has been more than XXXX since the dispute was submitted. The inquiries should be in my favor at this point, due to the failure to respond. I have submitted proof of my only address which is XXXX XXXX XXXX XXXX Az XXXX. I do not receive mail at my personal residence. The inquiries should be completed and in my favor now that it has been more than 30 days since submitting
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up my previous dispute about the balance on my account related to the repossession of my vehicle. 

My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Consumer complaint received 2024-06-03
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XXXXXX/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: Experian Information Solutions Inc. (MO)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (NJ)

I have contacted the XXXX Bank XXXX XXXX XXXX XXXX XXXX because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesXXXX  XXXX Experian XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updated. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I have contacted the credit bureau on several occasions.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NY)

JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named XXXX XXXX. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to XXXXXXXX XXXX was not mine, likely due to fraudulent activity.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VT)

Around the beginning of XX/XX/XXXX I was contacted by Credence Resource Management LLC ( CRM ) in regards to an alleged telephone bill from XXXX XXXX XXXX. 

I settled my final bill directly with XXXX XXXX XXXX in XXXX of XXXX. 

CRM provided me with a form to dispute the debt and request proof of the debt. I used their form to mail my dispute to CRM and to request proof of the debt.

CRM did not pause collections and did not provide me with proof of the alleged debt. 

In late XXXX I received another collection letter from CRM. To date, no proof of debt has been received and collections were not paused while they find and provide the required information.
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: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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.
Consumer complaint received 2024-05-09
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. (NY)

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please DELETE the accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX