davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. NXXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX HXXXX XXXX  XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid the amount I owed on my Comenity XXXX XXXX  card in full on XX/XX/20. Now am receiving emails that I owe {$59.00}. It is still accruing late fees even though I paid in full. I have seen lots of similar complaints about Comenity online : XXXX XXXX XXXX/comenity-bank-reviews
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Bank of America account was hacked through XXXX. On seven occasions XXXX2020 and XXXX/XXXX/2020 unauthorized withdrawals were stolen from my account via XXXX for a sum of {$1000.00}. The Bank is doing the investigation and has up to 45 days to complete meanwhile my money is tied up. The bank won't replace the money that was already in the account before it went to a negative balance until the investigation is over. Aren't they insured by the FDIC? Why won't they replace the money that was already in the account immediately after I informed them that I was scammed? I also didn't have overdraft protection on my checking account, and yet the bank allowed my account go into a negative balance. I first noticed this scam on XXXX/XXXX/2020. I have since filed claims with both XXXX and Bank of America. They are still trying to use my information to open up banks, cash card accounts, etc.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

My first statement came in and I sent it back certified mail to the conditional payments address with my signature on it. I received the Green Slip in the mail and My account was never XXXX out and I have not been able to access my credit since. Now I keep getting hit with fees and they keep saying I owe them when I have presented them with the security the first time and have yet to get access to my credit again. As my other statements are coming in I have sent 2 other statements registered mail to the indenture trustees on 2 different indenture agreements in hopes of getting my credit card back up so I can use my right to credit. I have not herd anything back from these people who I have sent registered Securities to when it says in the indenture agreement they are responsible for handling all securities.I just want a place to send my securities and I will know they are being processed correctly and It will reflect my account.
Consumer complaint received 2022-11-27
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'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My wife, XXXX XXXX, and I have been applying for a loan modification based on my loss of income due to my illness, XXXX XXXX. However, my service company is refusing to take a look at the whole history of my mortgage loan to deliver a solution to our problem. Select Portfolio Servicing is acting like if they do not know what happened previously with this property. They are just denying my request for a loan modification prima facie without going deep into the matter. They gave me a solution that is not a solution at all. They wanted me to pay them {$3100.00} per month in a repayment plan that they came up with without evaluating my finances. I have faced XXXX foreclosure cases already since XXXX, brought by different services like XXXX and XXXX. My intention is to retain this property permanently. However, the loan originators, made a mistake by placing XXXX XXXX XXXX XXXX as the non-obligor borrower. I rescued this property from foreclosure twice in XXXX and once in XXXX. What I am requesting is that my servicer evaluates the history of this loan to give me the best choice. I will not accept XXXX year or XXXX year solutions this time. I need a permanent solution. I need my servicer and the investors to be on my side when I take XXXX XXXX XXXX XXXX to court. After all, my wife and I have been the ones facing foreclosures and its consequences.
Consumer complaint received 2023-02-15
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: SYNCHRONY FINANCIAL (AL)

In accordance with the fair credit reporting act Synchrony Bank has violated my rights. 

15 USC 1681 Sec 602 states I have a right to privacy.

15 USC 1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Synchrony also claims that the company does not make these form of updates. They claim that it is due to integrity. Please investigate this matter as it's discriminatory and I know for sure these adjustments have been made for others and I would like the same under my personal right.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

After recently opening a small business checking and savings account, a customer 's check was inadvertently returned as 'fictitious, ' and the company quickly wrote another check to replace the 'fictitious ' check. 
Suncoast restricted the account so I can not see or access any information on my account. The company ( XXXX XXXX ) who wrote the checks have advised that the check cleared their bank, and even spoke with a banker saying the check has cleared. Suncoast is saying that they have information indicating that the new check will also be returned as 'fictitious, ' and will therefore not release restrictions to access my account. 
Suncoast has said they will eventually write a letter regarding their investigation, but can not give me a timeline when that will be. 
I can not access funds, make deposits, or even see any account information online at all. This has crippled our company, making it unable to do business for the last several weeks because Suncoast back office says the expect the new check to be returned. 
I want to close the account and open another account at another back so we can make deposits, and conduct business, but they said I can't even close the account. I told them they can mail the check with whatever funds are in the account after they do their investigation, but I want it closed. They said I can't even do that while they take their time doing their investigation. 

None of the checks were fictitious. XXXX XXXX has verified the funds cleared on the XXXX of XX/XX/2024, and I think Suncoast is relying on bad information to justify freezing my account and not letting me conduct business.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

I have cash in my account. I want to withdraw it to my bank account. The site says only a fraction of the amount in my account is available for transfer. This has been the case for a week. It will not allow me to withdraw money that is clearly in my account.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I purchased 2 items from XXXX  XXXX. They refunded 1 item {$350.00} XX/XX/XXXX. And 2nd item they said they were going to issue refund XX/XX/XXXX so I close 1 PayPal case on XX/XX/XXXX it will take 5 days. I reopen PayPal case for 2nd item as refund of {$370.00} never was credited to my PayPal account. XX/XX/XXXX PayPal send me and email said payment was credited but where I don't see it on my PayPal account. And vendor said they can't credited 2nd payment until I cancel charge back dispute? I reopen PayPal 2nd dispute due to no refund issue by vendor.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (OR)

I have US bank checking account and line of credit account for several years. The reason I keep the checking account is making payments to my line of credit. Last year I never used any balances from my line of credit so I didnt deposit any money into my checking account. Several days ago I got XXXX mails, and one mail showing I owe {$90.00} dollars annual fee and {$60.00} late fee on my line of credit account, and another mail showing the banker closed my checking account because it overdrawn the account to pay {$90.00} which I owed the annual fee on my line of credit, and I also had to pay extra {$65.00} and no reason showing on the mail. So initially I only owed {$90.00} but one the end I paid almost {$300.00}! The bank charged me {$90.00} on both the checking account and line of credit account. The bank also failed to sent me any notification before closing my account and charging me late fees. And I called the banker several times nobody gave me a correct answer. I called the customer service they said call mortgage and I called mortgage they said call checking account. I called checking account they said call customer service!!!
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance. 
From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all. 
I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred. 
The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt. 
I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Someone opened a Bank of America account in my name. The account was closed by BoA for fraudulent activity and I asked for an investigation for identity theft. I don't want this fraudulent activity to show up on my reports and prevent me from opening a bank account myself.
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have noticed many incorrect and unauthorized items appeared in my report and didn't recognize them at all. Last 2019 my car was stolen and I have all the important documents on it such us my ID, Social Card and some of my company 's documents too. Please see attached documents uploaded a police report and the list of the accounts and inquiries that I didn't know.
Consumer complaint received 2023-02-03
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2023-01-08
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)

XXXX XXXX XXXX have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama XXXX XXXX I have documentation to show as proof. This was paid in 2021 in XXXX installments first amongst was {$1500.00} and the second amount for {$1900.00}
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-03-03
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX {$460.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX FCRA Violation  : other loan not mine XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.