davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX my automatic payment to Target Red Card was returned by my financial institution. I immediately called Target to ask if they would represent the item for payment, which they stated that would not, so I processed an additional payment ( in full ) the same week. This payment took my balance to {$0.00}. 

I requested a one time fee waiver of the returned payment fee {$29.00} and Interest Charge of {$8.00} both assessed on XX/XX/2020. This request has been declined twice. I have maintained a Credit Card in good standing with Target for 5 years with no late fee 's or returned payments, with the exception of this one item. I've never heard of a financial institution not reversing any fee 's at all. In addition, I'm not sure how I can be assessed interest as my payment was not past the due date.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TN)

The company XXXX XXXX XXXX did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

i have a sams club master card issued by Synchrony bank. every month when statement comes in i pay the full amount, Example latest statement with due date XX/XX/XXXXbalance of {$2200.00} as soon as statement came in i paid the full amout they credited my act. XXXX so as of that date i should have the full credit amount to use of {$3800.00} but they put a hold on my act and say i only have like {$600.00} to use. I called the cust. service number and the agent i spoke to has no clue why she had no answer. she agreed with me when i said because i pay in full every month this bank doesnt want to deal with me as im not a asset to the stock holders and they are not making a high interest off of me So there not making it easy for me and trying to discurrage me from wanting to use there card
Consumer complaint received 2023-03-08
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. (DC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America edd prepaid card ... .. 
I have fraudulent charges that been denied and I never made the charges XXXX and its for about {$1200.00} I have lost my debit card .. and I never made the charges .. my name is XXXX XXXX social XXXX XX/XX/XXXX .. its been over 3 months and Im hurting for money I havent even received provisional credit ..! My phone numnber XXXX
Consumer complaint received 2020-12-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On ( XX/XX/2015 / {$330.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (SC)

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. 

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 ACCOUNTS ) XXXX - State Employees XXXX XXXX XXXX XXXX XXXXXXXX Equifax, 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 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 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

* XX/XX/21 - WELLS FARGO XXXX XXXX DEBIT {$11000.00} * XX/XX/21 - I resolved the issue with the attorney and he contacted Wells Fargo XXXX XXXX XXXX XXXX department, they provided him with the fax number and the attorney immediately faxed them a signed legal release to remove the legal order debit. 
* XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - The attorney re-faxed a signed legal release to remove the legal order debit the attorney faxed it directly to Wells Fargo XXXX XXXX XXXX XXXX XXXX * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT WELLS FARGO EXPLAINED THAT IT '' XXXX XXXX & XXXX XXXX POLICY HAS NO TIME FRAME IN WHICH IT CAN OR WILL REALEASE CUSTOMERS FUNDS - THIS IS AN UNREASONABLE AMOUNT OF TIME. 

WELLS FARGO CONFIRMED THEY RECEIVED THE LEGAL DOCUMENT TO RELEASE THE FUNDS BACK TO THE CUSTOMER BUT THEY DO NOT HAVE ANY TIME FRAME TO RELEASE THE HOLD ON THE CUSTOMERS ACCOUNT. 
THIS IS AN UNREASONABLE AMOUNT OF TIME. 

* THIS POLICY HARMS CONSUMERS AND CREATES UNDUE HARDSHIP TO BANK CUSTOMERS. HOLDING MONEY FOR AN UNLIMITED AMOUNT WITH NO TIME FRAME TO RELEASE MONEY IS AN UNREASONABLE AMOUNT OF TIME. 

*ITS BEEN OVER A WEEK AND THERE IS NO TIME LIMIT ON WHEN I WILL GET MY MONEY BACK FROM WELLS FARGO. THIS IS ACCORDING TO WELLS FARGO XXXX XXXX WELLS FARGO BANK POLICY. 

REGULATION CC VIOLATION : ( Regulation CC ) sets rules on how quickly banks need to release your funds. 
If a bank places a longer hold on funds, it must give you a notice. The notice must give the reason for the hold and tell you when your funds will be available for withdrawal.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I requested the attached items be removed due to them being outdated. However, Experian refuses to obey the laws on the books, therefore I'm bringing this complaint to you to resolve. I'm tired of fighting with them to do their jobs and to follow the law. The worst part of it was they sent me a survey on XX/XX/2020 they sent me a survey claiming I " spoke to a rep with them by phone '' which I never did. I sent them a written request to remove these items. Yet the one 's in the updated attachment remain. I never talked to anyone at their office, would never call them for any reason to listen to their never ending recorded messages and only conduct my requests with them in writing. They've failed to honor the attached items on my updated report of XX/XX/2020. I want them addressed effective immediately!
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I disputed an account that was on my report pass 7 years and they reduced my credit score by 29 points for the dispute. The creditor is still on my report. I was told by an equifax employee because I initiated the dispute my credit score was reduced. I am getting penalized for challenging items on my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to TransUnion, XXXX, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution.

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights.

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims.

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.
Consumer complaint received 2024-03-21
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. (OH)

In accoradance 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. 

The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-12-28
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (AZ)

I mailed them 2 certified letters on XX/XX/22, one for each of my accounts, asking for them to validate the debt as well as asking for a copy of my signature on a hippa release to them. They never sent me any documentation and are still attempting to collect.
Consumer complaint received 2020-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (LA)

I am requesting the removal of ( 4 ) HARD INQUIRIES, extremely affecting my credit report during COVID-19 Pandemic. 
The dates are ( XX/XX/2020 ), ( XX/XX/2020 ), ( XX/XX/2020 ), and ( XX/XX/2020 ) on XXXX. 

The CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (FL)

On Monday, XX/XX/XXXX, I called my lender BMO Harris Bank to request 12 months of copies of my mortgage statements showing I've paid my mortgage on time, as part of a refinance transaction. I was told by 2 individuals this was not possible because the bank sold their servicing to another company and they lost the history during the transition ... .. On both occasions I asked for it to be escalated and I was thrown in to a black a hole where I had to continue to enter my social security number ( again ), etc., with no one coming back on the line. On the third time, I spoke to a lovely lady, XXXX, who said that they could pull the history, not the statements themselves as she confirmed their was information lost during the transition. Seriously, all statements used to be on my Online banking, now there's a huge gap and no statements prior to the transfer of the loan. 

My issues are : 1. I have to get my loan out of this bank, they are extremely incompetent. How can I refinance to get rid of them if I can not provide the required statement information being requested of any lender for a refinance.

2. How am I supposed to trust that they didn't do anything funny with the amount of money I owe on a loan when they can not produce a paper trail of my statements?
Consumer complaint received 2021-03-16
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. (OH)

I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i found a few unauthorized inquiries that are not connected to any personal business on my credit report i am not doing business with any of these companies on this ftc report. i spoke to the bureaus multiple times they see these inquiries do not belong to any accounts on my report at all and refuse to assist.
Consumer complaint received 2020-12-27
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. (PA)

On XX/XX/XXXX, I initiated a dispute with the credit bureau regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$150000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED:XX/XX/XXXX BALANCE : {$2900.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$4900.00} XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2700.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$7300.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts . I am now demanding that they comply with my initial dispute letter.