davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

Synchrony bank began charging paper statement fees without my knowledge on my XXXX XXXX account. Of which, I have not received a physical statement in a long time. My account is setup for autopay through my bank to the terms I agreed to at purchase. I am on a deferred interest plan for $ XXXX for XXXX  years. I pay {$50.00} a month. I did not receive notification of the term changes until I spoke with a representative on XX/XX/24 regarding my concern as to why I was being charged late fees when Ive paid the {$50.00} on time each month. I asked for them to remove the fees, which the agent agreed to after a long discussion. She offered to credit {$41.00} which was more than the {$30.00} late fee, interest, and statements fees to date. I agreed. She also advised me my account was in good standings and to check in XXXX hours for my account to reflect the corrected balance. I checked 2 days late to find my account had not been credited as promised, and an additional late fees, statement fee, and interest had posted. I reached back out to Synchrony and was met with resistance. I finally spoke with a manager who stated he would post an additional {$41.00} credit for the new late charge. I have yet to see anything get credited back to my account. I have went ahead and paid what they say is past due and have signed up for electronic statements in their system even though I have not received correspondence from synchrony in months.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CAPITAL ONE BANK USA : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select portfolio servicing is still showing my account as being behind, even though all the funds were paid to my previous processor, and I have seen the records showing that those funds were successfully sent to select portfolio servicing. I have been on the phone with select portfolio servicing for a month, trying to get my account updated to show me as current, I have spoken to managers who have assured me that they see the funds were received, and they will have my account updated only to then do nothing. 
Please help me have my account updated to correctly show that I am current on all my mortgage payments.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (GA)

Experian is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXX XXXX  account reporting on my credit report is incorrect, inaccurate, and false. Experian responded by updating and modifying the XXXX XXXX account. I did not sign any such credit contract agreement with XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX nor XXXX XXXX are not my creditors to enforce payment. XXXX XXXX XXXX lacks enforceable security interest.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

Prestige financial is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of XXXX  and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, XXXX, I checked my Wells Fargo account and found out I had a recurring charge on my Debit Card from XXXX. I called XXXX and explained I had a recurring charge on my Debit Card for {$24.00} a month. This charge started in XXXX. 
They said someone by the name XXXX XXXX open an account with XXXX for Credit Card Service and the charges were going to my Debit Card. I explained I never authorized these charges and I did not know who XXXX XXXX was. XXXX then cancelled the account. The account number that was open was XXXX. 
I asked if I could be reimbursed for the {$24.00} month charges to my Debit card, and they said no, I would have to contact Wells Fargo to be reimbursed my money. 
I contacted Wells Fargo and they said they could only file claims for the last 60 days. I am told them these charges were occurring since XXXX. They told me to contact XXXX. I contacted XXXX and they said they could not help with these fraudulent charges. I asked if they could provide me the name of the person who opened up the account with my Debit Card number, and they said they could not provide that information. 
I am looking to have XXXX reimburse me for all of the recurring charges on my Debit Card since the account was first open in XXXX. 
The Debit account that was charged, is not my primary account that I used for daily transactions. It was account that was first opened after my father died. I never received a paper statement detailing the account status. I never logged on to the account because I never used the Debit Card for any transaction.
Consumer complaint received 2023-06-08
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. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX C U XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} NASA XXXX XXXX Balance Owed XXXX {$22000.00}
Consumer complaint received 2023-06-08
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. (AR)

I found out that the accounts on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-06-26
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. (NY)

After my XX/XX/2021 complaint to the Credit Bureau several of my credit accounts on my credit file were completely removed. Years of credit history were completely removed off my credit file. And today XX/XX/2021 my credit score dropped 47 points as a direct result of this. I did not ask for my credit account to be completely removed off my credit file. Nor did i ask the creditor to notify the credit bureau to remove the credit account off my credit file. Also i find it very hard to believe that a proper investigation of my disputes were conducted because my employer was not accurate and up to date. How can the bureau conduct an accurate investigation if my employer wasn't correct. Due to these inaccurate information i believe that my request of the removal of delinquent payments. As well as an update of my name with the spelling of my full last name and middle name.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (DE)

I received an alert on my credit report from IC Systems and don't know why. No company name listed with six {$120.00} dollar and 2 {$93.00} dollar entry 's with no explantion.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for the capital one venture XXXX credit card using a referral link that was sent to me. The sign-up promotion promised me XXXX bonus miles or points if I spent {$4000.00} within the first three months. I called on XX/XX/year> to inquire on the status of how much I have spent to date. I was advised that I had spent around {$4300.00}. However, I was advised that the bonus miles promotion was not associated with my account. I then asked to speak to a supervisor ( employee ID = XXXX ) and I was advised that the reason as to why I do not have this promotion on my account is because my credit was deemed as good '' and not " excellent '' at the time I applied. Im not sure how this is possible because my credit score would have been over XXXX at the time that I applied for this credit card. The only reason why I applied for this credit card and I have been putting all of my spending on it was because of the promise of the XXXX bonus miles if I met the minimum spend which I did.
Consumer complaint received 2022-10-31
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX AUTO XXXX XXXX Balance-
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (IL)

A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Consumer complaint received 2024-11-20
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. (WI)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I made a cash deposit on Sunday XX/XX/23 @ XXXX for {$6000.00} the atm took the majority of the cash but returned {$800.00} and kind of jammed the dispensary so I got a receipt saying there was an issue and it would be resolved in 2 days I also called the bank to report it they filed a claim which said it would take 10 days I went to the branch the very next morning and spoke to the main banker and said they would expedite the issue and should get a resolution within 24 hrs today is day 4 because of this I have returned payments with credit cards and car payment and when I call they are no help with the exception of the 2 representative at the bank that is not in their control but try to help. Now I have fees that my cc company will charge for return fees and also will probably have a late payment on my credit report because Wells Fargo is taking their time. I on the receipt it said they will fix it within 2 business days and now they are saying 10 days! All atm have tons of cameras they can pull footage to see cash that went in and the few bills that was returned. On the receipt it just says a deposit of {$.00}
Consumer complaint received 2021-06-26
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: Experian Information Solutions Inc. (NY)

I find it very hard to believe that a proper investigation was conducted by the credit Bureau when only the year of my birth was on my credit file. They did not have the month and day i was born on my credit file. They also did not have the correct and current employer. Due to these important pieces of information being inaccurate or missing. I find it nearly impossible for them to conduct an accurate and true investigation. They denied my disputes time after time but how could they conduct their investigation without my date of birth and current employer being on file. I will be sending a dispute letter to your bureau on XX/XX/2021 with all the inaccuracies on my credit file. And due to your failure to conduct an accurate investigations on my disputes i feel that my requests should be honored. Because i have proof that my date of birth was not on my credit file and your bureau denied the dispute without that very important piece of information. I also reached out to the creditors CEO 'S and i have letters from two credits stating that they will extend a goodwill adjustment to me. These letter will be attached to the XX/XX/2021 dispute letter. Due to these inaccuracies and your bureaus failure to conduct an accurate investigation my credit score has dropped 47 points.
Consumer complaint received 2023-02-02
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. (PA)

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 2023-02-13
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiries 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 XX/XX/XXXX, 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 a account without my written instructions
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}