davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

Complaint against Synchrony Bank XXXX Account # XXXX savings + XXXX more on CD account " problem to add a third external account '' they told me it allow XXXX external limit, I only get XXXX external accout up to date on record. 

They do not allow me, reason saying that I have XXXX  external already. 
But those must be cancel ot delete account a long time ago. 
because I had been banking with them over 10 years. 

even I look at disclosure, nothing to say that I can not have more than XXXX external account. they do not want to do nothing. I was so mad. they restrict me. 

I ask the manager, but he did not help at all.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two accounts on my credit I didnt authorize to be open. so far Im waiting back for experians response also. I have an XXXX XXXX XXXX and a credit card I dont open on my account that is fraudulent and probably more as Im waiting on XXXX also this is a private trademark with a principal register number I didnt give the record of consent for these accounts please help me locate where theyre being used and who opened them.
Consumer complaint received 2018-12-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I sent Equifax, XXXX, and XXXX XXXX letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Consumer complaint received 2023-04-21
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. (TX)

I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX I sent XXXX, XXXX, and Transunion 2 letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I have a CashApp account. I can not log into this account because of an unexplained error with my phone and the app - their support has been unable to help me correct this problem. I can get access to my account on the web, but the web version of my account doesn't allow me to close the account. When I tried to, then, tell them I wanted to delete my account, I was told that I can not delete my account while there are funds in the account. I can not remove those funds from the account without access to the app, which they can not provide me. I was finally told by the representative that she could not pass me on to a supervisor for this, and then she hung up on me.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have wrote numerous letters to XXXX, Equifax, and XXXX XXXX requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.
Consumer complaint received 2023-10-11
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (IL)

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX - XXXX XXXX XXXX XXXX  XXXX - Date XXXX XXXXXXXX XXXX XXXX NA - Date XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

In summary, due to a newborn arrival, I got 1 day delayed in a full statement payment, resulting in only partial payment for that month. The amount left over was about {$1000.00}, which was paid in full the next day in addition to all other balances in my account. In the following 2 months, I got surprised by about {$79.00} in charges, which is an absurd APR ( {$79.00} for 1 day! ). 

Upon discussion with customer service, they finally admited to weird and likely unlawful practices of charging interest for at least 2 months, irrespective whether I paid the bill the next day or not. In addition, any new charges to the credit card was " game '' for them to charge me more interest, which were transactions not even billed yet, so there was no way I would have known I was paying interest on them and would otherwise have long dropped this credit card to begin with. 

This is effectively charging interest on purchases that have not made into a statement yet, giving the consumer the wrong impression of how a credit card should work. Had I known they would keep charging me interest on any balance on the card, including current in progress cycle, I would have stopped used this credit card immediately. I clearly had the funds to do so, as you can see on the timeline attached, I just missed 1 day of payment. Overall, this seems malpractice, a sort of scam to charge more interest, completely diminishing the trust in this financial system, and potentially causing imense hardship for customers that are already struggling to pay their bills. This seems illegal to me and should likely be reviewed by the State Attorney 's General Office and be target for Class action suits, since it might be impacting millions of Americans trying to stay afloat in the economy. This ultimately makes their bills unbearable to pay for if they don't have the means. 

This agency should review these practices and decide whether this is legitimate type of interaction and whether it's not an abuse of consumers ' trust.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I saw something strange on my credit report and got no info from experian as to what it was. In the section that say spouse or coapplicant it said XXXX. Ive never been married for XXXX and for XXXX I have no knowledge of what it is. They offered to remove it but I want answers first.
Consumer complaint received 2023-09-16
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2023-08-30
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. (MI)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hello. Hope all is well. I received a modification last year of XXXX for six months. My modification started in XX/XX/XXXX amount XXXX. I completed my modification in XX/XX/XXXX. SPS send me an approved final modification for me to sign and send back. I have been in contact with SPS Mortgage about the modification because I couldnt get it signed because its two names on the mortgage. SPS told me that they was sending me some new modifications paper. Everything I received the new modification both names are still on there. I spoke with a supervisor on XX/XX/XXXX considering this problem I been having. She told me to take my Quit Claim Deed and have it notarize and she will give me an extension to send the modification back. I finally got XXXX XXXX to notarized and sent it back and they told me its in forclousre because they didnt received the modification paper back. I couldnt get it said until the supervisor told me how to do it. I spoke with another supervisor on XX/XX/XXXX. That supervisor said he going to ask them reinstate my mortgage because its out of my control and I so made all my modifications payments. I did what I supposed to do. My first mortgage payment was do in XXXX. The supervisor said they should have a response within 3 or 4 days. 

Please give me a call if you need any more information. Thank XXXX XXXX. XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I placed a dispute with USAA for an unauthorized charge of XXXX XXXX  with XXXX XXXX. Today is XX/XX/XXXX I have been given the run around. USAA finalized my dispute XX/XX/XXXX not in my favor I requested a re review its been weeks nobody has reached out to me. They refuse to let me talk to anyone that can help. Customer support claims to add notes to the dispute Ive never been given any reason why my dispute would not be in my favor. Nobody has asked for my side. They stated that I did not upload supporting documents but it was uploaded in XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Sent to Amex on XX/XX/XXXX : Card : XXXX XXXX 
XXXX XXXXXXXX {$50.00} credit was incorrectly clawed back by you. 

XX/XX/XXXX {$50.00} - AMEX XXXX XXXX XXXX XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX XXXX XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} You can see 3x {$830.00} XXXX charges, and then XXXX - {$830.00} XXXX refunds. So my net spend with XXXX was {$830.00}. Therefore I am owed a XXXX credit, while you took it away. Please resolve the issue and credit my credit back to me. 
-- - Their response : I was able to see that and please refer to the posted date instead. 
Rest assured that the case will be investigated as you're claiming for the credit. 
By any chance is there anything else I can assist you with? 
-- - Sent to Amex on XX/XX/XXXX : REPORTED ON XX/XX/XXXX. 
Please provide status update on this : Card : XXXX XXXX 
My XXXX {$50.00} credit was incorrectly clawed back by you. 

XX/XX/XXXX {$50.00} - AMEX XXXXXXXX XXXX XXXX  XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX XXXX XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} You can see 3x {$830.00} XXXX charges, and then XXXX - {$830.00} XXXX refunds. So my net spend with XXXX was {$830.00}. Therefore I am owed a XXXX credit, while you took it away. Please resolve the issue and credit my credit back to me. 
-- - Their response : have checked and can see that you have made two charges on XXXX which has been returned/canceled for which you have get refund on XXXX and XXXX that is the reason XXXX  credit of {$50.00} has been reversed -- - My response : Doesn't matter. Three charges. Two refunded. One still remaining. And for that one you owe me the credit. 
I'm reporting it the second time. Since you are as deaf as the previous person, I'll be filing a CFPB complaint now and having it resolved that way. Unacceptable. 
-- - EXPLANATION for CFPB : Amex XXXX card offers a {$50.00} semi-annual credit on XXXX XXXX XXXX purchases. Here 's a list of transactions in XXXX 2024 : XX/XX/XXXX {$50.00} - AMEX XXXX XXXX XXXX XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX CREDIT XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} It's clear as day - I spent {$830.00} with XXXX three times, and got refunded {$830.00} twice. The net spend is {$830.00}. So I am owed a {$50.00} credit from Amex.