davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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)

This is my fourth attempt to get this company to fix errors that I have pointed out to them about ( XXXX - XXXX ) I recently pulled my reports and noticed they are still reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. 

They are in direct violation of my FCRA rights of not reporting accurate information and it is affecting my ability to obtain new credit. I have received no proof from this company that the information being reported is accurate. I will be taking legal action from this point PER violation. I will reach out to the XXXX and Florida Attorney General Office concerning this matter. 

I demand this account be deleted immediately!
Consumer complaint received 2023-04-11
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: LEXISNEXIS (PA)

The following accounts are erroneous and they threaten my livelihood. ( - # XXXX ( # XXXX ) ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Recently I checked my credit report and I noticed that I've been a victim of identity theft and found numerous of credit inquiries that I have no knowledge of Here are the names and dates of the 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 XXXXXX/XX/XXXX According to the FCRA 15usc 1681 cc2 that the " agency '' information appearing on my credit report if stemming from a result of identity theft and fraud must be updated and deleted.
Consumer complaint received 2022-11-21
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. (CA)

1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX. Validate Account XXXX XXXX XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX. The following personal information is incorrect Employers : XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I called in while someone was taking money out of my account. The rep advised that they saw the transactions and started the review. Then I was told that they feel I had something to do with it because someone used my pin number when making the purchase. The purchase was in California and im in Texas so advised it was not me who made the purchases. They advised that they would not refund me because of this. Even after confirming that they are aware that simmers of your card can provide the card number and the pin. At this time they have taken out funds in my account to cover the cost of a purchase I didnt make.
Consumer complaint received 2023-03-03
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. (TX)

The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX  the Account from XXXX XXXX, the account number is XXXX and XXXX XXXX has violated my rights. 15 U.S.C 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 2023-03-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report
Consumer complaint received 2023-06-12
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX my daughter and I checked out of XXXX XXXX XXXX in Florida. My card was being held on file until checkout. Upon checkout my daughter left her credit card to pay for the 5 day stay in full. This was a XXXX conference that she had booked and paid for. They at that time said my card had NO charges on it. Citicard put a XXXX charge on my card, which was the balance that my daughter paid in full. 
I filed a dispute with Citicard. I sent an itemized fully paid bill that shows clearly nothing owed to XXXX I mailed copies of the paid bills to the address Citibank gave me. I filled out and mailed requested forms. They have still not removed this charge. I have been a customer of Citicard for many years have an XXXX credit score, but nothing seems to make a difference. They could contact billing at XXXX XXXX XXXX XXXX, and be told point blank there is nothing owed! I would appreciate anything that could be done at this juncture. 
XXXX XXXX
Consumer complaint received 2023-07-17
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)

The problem I have is I had two unauthorized transactions for XXXX XXXX orders I didnt do I had the tracking numbers emailed me I called XXXX reps and spoke to them fave them both tracking numbers they said its for an XXXX order I call the bank a complaint is filed on the XXXX the lady never processed me a replacement card so I waited a whole day and nothing was ever process so I called the second day and had to speak to another rep she put a dispute through another one because she didnt see the one from the XXXX because I wasnt processed another card then she process a card but she did it regular mail so I had to do it replacement express so I had to call a third time my issue is I got a provisional credit for the dispute on the XXXX not the XXXX the XXXX was made but the lady who I spoke to on the XXXX didnt see the dispute so she made me one then a little down the line she sees it and cancels the dispute on the XXXX but the XXXX is still here its now XX/XX/XXXX a week later before I was charged and I still aint get a provisional credit for the dispute on the XXXX they will be taking XXXX dollars back tomorrow but it doesnt make sense how a dispute was easily placed on the XXXX and a provisional credit was already provided the XXXX was cancelled so thats why they taking the provisional credit but I havent received nothing for the XXXX I just keep getting told its under investigation but yet nobody telling me how they process a provisional credit for the XXXX but not the XXXX doesnt make any sense to me and I need to figure this out because I called XXXX I called XXXX XXXX its tiring nobody is helping me with this stuff its frustrating because you think your bank has your back especially when you have issues and stuff but disputes wasnt even properly placed
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION (PA)

I AM SICK ELDERLY WOMAN AND I GOT SCAMMED FROM FRAUD SUPEONA TO MY M & T BANK ACCOUNT I TRIED CALLING THE MUNICIPAL COURT AND WAS TOLD I NEED TO IMMEDIATELY TELL MY BANK BECAUSE THEY HAVE NO RECORD OF ME AND THE NAME AND PLACE AND PHONE NUMBER GIVEN TO ME IS FAKE A MAN SPEAKS BROKEN ENGLISH AND REFUSED TO ANSWER MY QUESTIONS OF WHY WAS MONEY SENT TO THIS PHONE NUMBER AND PLACE NAME COURT XXXX XXXX {$1000.00} XXXX XXXX NJ XXXX XXXX XXXX XXXX SHOWED UP ON MY ELECTRONIC STATEMENT AS NJ WRIT BUT BANK REP SAID IT WAS NEW CENTRAL FINANCIAL I CAN NOT FIND THIS COMPANY ON INTERNET PLEASE INVESTIGATE THIS FOR ME I DONT KNOW WHO TO TURN TO I SUFFER FROM XXXX XXXX XXXX XXXX AND XXXX  AND I AM ON FOOD STAMPS I NEED HELP TO INVESTIGATE THIS MY XXXX  WHO WATCHED OVER ME HAS PASSED AWAY SO PLEASE CAN YOU INVESTIGATE THIS FOR ME XXXX
Consumer complaint received 2022-11-17
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (FL)

I did not authorize the renewal of the XXXX 's XXXX from XXXX XXXX Bank. I closed the XXXX account in XX/XX/XXXX. Instead, I paid {$55.00} for the inner circle membership in XX/XX/XXXX. However, XXXX 's has been reluctant to remove the charge of {$110.00} from the XXXX account. I've contacted XXXX 's several times since XXXX and here are the cancellation confirmation numbers for the XXXX 's Perks Reward membership that they provided : XXXX, XXXX XX/XX/XXXX ; XXXX and XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX. XXXX  refunded {$110.00} on XXXX XX/XX/XXXX. The Comenity Bank continues to charge interest to the account and they are aware of the ongoing attempts to remove the unauthorized renewal charge of {$110.00}. Comenity Bank will not remove all late fees and charges to my account as they stated in the attached message on XXXX XXXX. As a result, my credit score has dropped over 80 points since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-04-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (PA)

XXXX XX/XX/2024 LOAN BALANCE {$18000.00} Decided to pay down loan on XXXX XX/XX/2024. 

PAYMENT {$3000.00} BALANCE : {$15000.00} Decided to PAYOFF loan PRINCIPAL AMOUNT of XXXX on XXXX XX/XX/2024 WELLS FARGO XXXX DESIGNED TO BLOCK FULL PAYMENT OF PRINCIPLE, REQUIRES USER TO PAY ANOTHER MONTHLY PAYMENT SYPHONING ADDITIONAL INTEREST FROM CUSTOMERS. ADDITIONALLY WOULD NOT ALLOW ME TO PAY REMAINING {$.00} BALANCE. 

AT LEAST XXXX CALLS MADE TO WELLS FARGO, EACH TIME, A DIFFERENT EXCUSE AND DIFFERENT ANSWER. REQUESTED PAYOFF LETTER AND AMOUNT ON XXXX XX/XX/XXXX. HAVE NOT RECEIVED AMOUNT IN WRITING. XXXX SAID I WOULD OWE {$60.00} ADDITIONAL FOR COURTHOUSE RECORDING FEE. THAT WAS ALL. 

WELLS FARGO REVERSED MY PAYMENT FROM XXXX XXXX XXXX IN THE AMOUNT OF {$15000.00}. 

BALANCE DUE WENT FROM {$.00} to XXXX back to {$15000.00}. 
THE PAYMENT HAS DISAPPEARED FROM MY ACCOUNT. NOW THEY CLAIM IT WILL TAKE UNTIL AT LEAST THURSDAY, XX/XX/2024 TO INVESTIGATE THE SITUATION AND APPLY FUNDS. 

THEY ARE INTENTIONALLY DRAGGING THEIR FEET MISAPPLYING MY FUNDS TO EXTRACT MORE MONEY ( INTEREST ). ( THIS IS A REPEAT OF WHAT THEY WERE FINED $ XXXX FOR BY CFPB 18 MONTHS AGO ). 

WHEN MY ACCOUNT READ BALANCE OF {$.00} THEY WERE STILL INDICATING I HAD A BALANCE DUE ON XX/XX/XXXX FOR MY REGULAR MONTHLY PAYMENT OF {$750.00}. 

XXXX, I HAVE ALWAYS PAID {$1000.00} PER MONTH, ALWAYS BEEN PAID THE LAST WEEK OF THE MONTH. 

PLEASE INVESTIGATE THIS FRAUD. 

THANK YOU, XXXX XXXX XXXX XXXX, XXXX XXXX RETIRED XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

I got an alert from experian on Monday XX/XX/XXXX that I have an over due payment of {$40.00} and balance of {$310.00} on a PayPal account. Please note that I do not have a PayPal account and never had one. It shows that the account was opened XX/XX/XXXX account name is SYNCB/PPMC, account number starts with XXXX, account type is credit card and monthly payment is {$51.00}. Due to the afore-mentioned fraud account my credit score went down by XXXX pts. I reported a fraud dispute with experian and is now reporting it to FTC.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

I submitted a previous complaint on Ameris Bank on XX/XX/XXXX. CFPB XXXX number XXXX. 

The response I got on XX/XX/XXXX is unsatisfactory and has incorrect information contained in it. XXXX considers the case closed so I'm opening a new one. 

The issue is the grant payments from XXXX are not being correctly applied to my account. Ameris Bank claims that the amount of {$1100.00} was applied to my account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. That's a total of 7 payments. 

That is incorrect, the payments received on XX/XX/XXXX, XX/XX/XXXX was sent in my electronic transfer from my credit union and not XXXX. I bank statements to show the withdrawals. So I made 3 of the payments myself.

When I checked with HAF they confirmed that as of XX/XX/XXXX they have sent in 4 payments on my behalf. The dates would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as near as I can tell. 

I do not believe Ameris bank has applied payments from my personal account or HAF correctly. Ameris Bank states that all 7 payments are from XXXX when indeed 3 of them are from me and the other 4 from XXXX. 

Furthermore, XXXX sent a payment in early XXXX for {$15000.00} to pay off my deferred balance of {$13000.00}. Ameris Bank stated in the XX/XX/XXXX letter they are investigating this with HAF, now we're in XXXX and no response yet. 

Additionally the HAF payments of {$1100.00} for XXXX and XX/XX/XXXX are not credited to my account as of this writing. When I call Ameris Bank they say they have not received them and when I call XXXX they tell me they have been sent on XX/XX/XXXX and XX/XX/XXXX. 

I'm sure there's an answer to this situation, I can not do anything more. I have also requested help from an email given to me XXXX which has not gotten a response either.
Consumer complaint received 2022-11-21
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. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account # 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!