davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (GA)

credit reporting agencies XXXX, XXXX, and Experian have all publicly produced a credit report without my consent tarnishing my reputation and credit worthniess as by lawful defintion they have violated my right to privacy and their grave responsibility to be impartial and fair in fact they have been very far from fair and absolutely partial in all means of lawful definition. below I will attach and quote all consumer laws in which in fact have been violated by XXXX as follows. 


15 usc 1681 A ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 usc 1681 A ( 4 ) 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. 
Again I state that I never gave my consent nor did I instruct XXXX to create or furnish this report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-13
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. (GA)

I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AR)

Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

My XXXX XXXX and my Synchrony credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit.

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that.

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A. (PA)

We were pre-approved XX/XX/XXXX, XX/XX/XXXX they cut our mortgage by {>= $1,000,000} and said we now had to put an additional {$100000.00} down. Thats when I questioned where the got the {$1900.00} s income figure when it was {$3000.00}. No answer. Loan officer asked not to give up, he would get things straightened out. I have over 200 e-mails going back and forth, supplying proof of our 2 additional incomes and everything else they asked. 35 days in, he said that all was good at original pre-approval. The following day he called and said they denied one of the additional incomes and we would need more down payment again, he would let me know how much. The next day he called and said they reverted back to the XX/XX/XXXX counteroffer requiring another XXXX XXXX payment. I countered with an additional {$85000.00} down or having part of our IRA converted to an Annuity that would pay us {$1000.00} a month in place of one of the incomes they denied. They replied they were not interested in any other offers other than the additional {>= $1,000,000} additional down and that we should contact another lender, then they de-activated our application. Thankfully, the sellers are willing to work with us to find a solution to our buying their home.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (PA)

Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXXXXXX
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have a closed account with Synchrony Bank for a XXXX XXXX credit card that I paid off. The payment was made by check drawn on XXXX XXXX  in XX/XX/year>. Synchrony cashed the check at the beginning of XXXX but the payment of {$2000.00} still has not been posted to my account. I've contacted them multiple times and sent multiple proof of payment with the canceled check. All they tell me is it can takes weeks for them to investigate but when I call back no one can tell me the status of the investigation or when this will be resolved and it's now been over 2 months. XXXX XXXX, who sent the check on my behalf, has also mailed Synchrony proof of payment with the same information hoping they might get better results. The account with Synchrony ends in XXXX and they have it linked to XXXX which is an old phone number for me but what they've asked me to reference when I've sent proof of payment. I feel totally helpless as I can not get anyone to help me resolve this issue and it's making it appear as if I still have this outstanding balance with regards to my credit utilization and I'm still making payments to avoid late fees and additional charges.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. Account Name XXXX XXXX XXXX Bankruptcy Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or 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 th

an 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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

I found two fraudulent charges to my checking account, with same amount of {$18.00} each. I filed dispute with bank and they refunded one of the two charges for {$18.00}. When I called the bank 's fraud center they confirmed that only one refund was issued. Regarding why the other transaction not refunded, the answer was " not sure ''.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I wrote a check ( # XXXX ) for {$11000.00} to a company I did business with. This company was one of my regular vendors that Ive done business with for many years. On XX/XX/XXXX Wells Fargo bank paid the check. 
2 years later, XX/XX/XXXX ..I open my Wells Fargo app and find the exact same check ( # XXXX ) from XX/XX/XXXX has been paid AGAIN. 
I immediately called the bank to have them put stop payment and return this check, since it appears to be an obvious either mistake or fraud on the part of the bank. 
In return I was told that the check was already paid and they can no longer return it. It didnt sound convincing especially because they give you a different story when you make a deposit and they put a hold on it. Also, he said since this was a Saturday all the other departments were closed and there wasnt anything that he was able to do for me. He asked me to call back on Monday and they would take care of reversing it the check since it was obvious it was some sort of mistake on their end. He told me to give them the reference number of our conversation and theyll be able to help me resolve this issue. 
Since then, I have called atleast 10 times and spent an hour and a half each time, getting bumped around from one department to the next and no-one can give me an answer to why a check that was written 2 years ago and processed was once again processed even though it was only valid for 90 days from the original date it was written. They declined my claim twice claiming that I authorized this check. Which obviously I did not authorize it XXXX years after it had been paid on XX/XX/XXXX. 
My check clearly states that its not valid after 90 days and the federal law states it is 180 days and its been almost 2 years. ( The date on the check was the same as on the first as it was exactly the same check. There was nothing nothing altered or changed since the check was written almost 2 years ago. It was the exact same check that was redeposited and paid again from two years ago. The bank wont tell me where the money went from my account. That account ( recipient ) to whom the original check was written 2 years ago has since closed his account and his company in XXXX. 
I have been to my local branch XXXX times to address the situation with the XXXX of the branch. She has spent an hours at a time trying to get answers, and she got nowhere with the representatives. 
Today she spent another hour with them again and they said they reached their final decision and are denying the claim. She is just as confused and shocked as I am. 
I decided to file a police report. 
I am going to include the front and the back of the check that was processed twice times two years apart. Also, the correspondence I have with the bank and a copy of the police report.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

On or about XX/XX/22, I received notice that Shellpoint had taken over my mortgage. 
On XX/XX/XXXX, I went to their website and established an account. When I logged in, my site said that my first payment was due on XX/XX/22 I saved that to my computer, as well as made a printed copy. I also took a picture of it on my phone. In XXXX, I again checked, noted that the due date was, indeed, still XX/XX/22 and again, took a picture with my phone. On XX/XX/XXXX, I received a notice that I was two months behind, not having paid XXXX and XXXX! I contacted them and explained that their own website listed my first payment as being due XX/XX/22 and that I was fully prepared to pay it on that date. They said THEY had made a mistake and I was now in arrears two months! I told them that I was XXXX XXXX XXXX and lived on SS and that my kids, who have their own families to care for, normally help me pay this and the money had gone for other essentials. Shellpoint 's answer was essentially, " Tough sh*t, pay up or we'll foreclose! '' I suggested putting these XXXX payments at the end of my mortgage and they would still get their money, since the mistake was totally their fault. HELP! - I see this as senior abuse!
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

New Rez mortgage company sent me a letter on XX/XX/year> with lender placed insurance enforcement, stating that my hazard insurance and flood insurance lapsed starting 2024, at which time they have started charging extra {$300.00} on top of my mortgage payment. 

I called them and told them that my insurance never lapsed and I have the proof, and I uploaded it into the Portal they advised XXXX XXXX They confirmed receiving everything and stated that I will be prorated. 
Then I got another letter XX/XX/XXXX, imposing Flood insurance coverage lender enforced. I would like them to return my money they have been illegaly charging my account. 

Thank you for taking care of this issue. Unfortunately I am not able to get through their consumer service as I am placed on an infinite hold. 

XXXX
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (TX)

Received a spam email from a collection company by the name RPM in XXXX WA. I mailed a certified XXXX debt verification letter XX/XX/23 and as of today no reply. On XX/XX/23 I received another spam email for a collection of the same amount from a different collection company, it appears they can not verify debt and just sending from collection company to another. As of XX/XX/23 another debt verification letter was mailed USPS Certified to Waypoint Group asking for verification. I will be notifying the FTC and Texas State Attorney Generals office of these tactics.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i HAVE FILED A IDENTITY THEFT REPORT WITH THE TRADE COMMISSION HOWEVER I CAN NOT GET THE BUREAUS TO REMOVE THE INQUIRIES THAT I DID NOT MAKE
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems is fraudulently verifying MEDICAL accounts on my XXXX, XXXX and XXXX credit reports. Medical Data Systems is still attempting to collect on a debt that was already PAID IN FULL to the original creditor. The ORIGINAL CREDITOR has demanded that Medical Data Systems purge any information they have about me and delete all accounts they have reported on my credit report, However Medical Data Systems has NOT done so. I paid the original creditor, however MEDICAL DATA SYSTEMS is still Fraudulently verifying this debt on my XXXX, XXXX, and XXXX credit reports. This is fraudulent reporting because XXXX XXXX XXXX XXXX " XXXX '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. I demand XXXX, XXXX, and XXXX and Medical Data Systems DELETE ALL references to this account IMMEDIATELY and DELETE ALL ACCOUNTS MEDICAL DATA SYSTEMS IS REPORTING ON MY CREDIT REPORTS.
Consumer complaint received 2024-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AL)

XX/XX/year> late fee was issues on my credit report from Truist. I have spoken with them numerous of times. They say they are no longer reported that account as late and it would fall off my credit. It is still showing on my credit after fraud manager XXXX XXXX 3 times stated it would be removed.
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (TX)

The interest rate at uprova are inhumane I didnt realize till now there interest rate is 750 % which means the loan will never get paid off. I have already made numerous payments and the loan isnt even close to being paid off. This is against many laws and I want no part of this money shark game. Please remove the account off my credit and do no report to the credit bureau as defaulted or late payments. I can make XXXX more payment of XXXX dollars and that is all I will pay with them no more after that. If they accept that id like the account completly closed and paid In full.
Consumer complaint received 2024-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX Capitol One credit card charged {$20.00} that is not mine. I provided all the information they required but they refused to resolve issue. I also tried to escalate the issue to corporate but customer service would not escalate. Capitol One 's customer service is the worst I have ever experienced. Very disappointed. The bottom line is this charge is erroneous and they refuse to correct the mistake.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (UT)

I have spoken to Key bank several times in regards to transactions not authorized that posted to my savings account without my authorization. Now they have charged overdraft fees which all need to be removed. XXXX stated they only will charge my primary account and I stopped using KeyBank with XXXX 7 months ago. So I dont know what happened to cause these errors with the bank. I have attached my documents to show these transactions shouldnt have posted to this account.