davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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: Synovus Bank (CA)

I am writing to bring to your attention a series of concerning events involving unauthorized transactions and improper handling of my account by First Progress. The details of the incidents are outlined as follows : On XX/XX/XXXX, an unauthorized payment of {$540.00} was made to my First progress account ending in XXXX from XXXXXXXX XXXX  XXXX XXXX. The fraudulent account in question ended in XXXX, with a routing number of XXXX and reference payment number XXXX. 
Subsequently, on XX/XX/XXXX, First Progress charged a {$540.00} reversal fee along with a {$30.00} return check fee without contacting me about the matter. 
On XX/XX/XXXX, upon noticing the unauthorized payment on my credit card statement, I immediately contacted First Progress to dispute the payment transaction and reported it as fraud. I spoke with XXXX, employee ID XXXX, during this initial communication. 
Following my report, I was assured that there would be a FRAUD investigation into the matter and a new card would be issued to replace the compromised one. 
During the fraud investigation, First Progress forwarded fraudulent information regarding my credit history payment to the credit reporting agencies, impacting my credit standing.

Further investigation revealed that First Progress indeed issued a new card account ending in XXXX on XX/XX/XXXX. This card was not activated by me. First Progress closed it on XX/XX/XXXX. However, during this period, I was charged an additional {$41.00} in late fee and my {$500.00} in secured deposit to open my card was taken from my account without proper explanation. Also, I was advised to pay the {$71.00} to activate and use the new card. 
Additionally, First Progress updated my closed account ending in XXXX with a previous balance of {$71.00} to the new credit card account ending in XXXX that was not yet activated to new a balance of {$110.00}. This action attributed to the increase of the account being 90 days past due and justifying a new late fee of {$41.00}. 
It is worth noting that these updates were made while the account was reported as closed on my credit reports, indicating a discrepancy in reporting practices. First Progress did not notify the Credit agencies XXXX, XXXX or XXXX of reported fraud on my account. 
In conclusion, I am deeply concerned about the handling of my account by First Progress. The unauthorized transactions, improper fees, and discrepancies in reporting raise serious questions about the integrity and fairness of their business practices. I feel that my best interests have not been adequately protected throughout this process, and I am disappointed by the lack of proactive communication and resolution from First Progress.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: KeyStone Financial ,LLC (SC)

I received a live check from Keystone Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and took the check to get cashed and they caajed it a few days later they called the check was returned to the place that had cashed it and said that within the time I received the check and between cashing the check my XXXX  score had dropped that I wasn't supposed to have cashed it then a few days went by and now they are telling the place that cashed the check for me to call the police and report me to bring charges against me for cashing the check they refused to cash it for the place that cashed for me and therefor they have dishonored their contract thank you XXXX XXXX
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-09
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. (FL)

I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : 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 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-09
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: U.S. BANCORP (CA)

I have disputed a US BANK reporting error on my XXXX report several times. I have sent several certified letters over the past few years and XXXX continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/scrub>XXXX XXXX XXXX Unfortunately, XXXX responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that US Bank and XXXX would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving XXXX ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that XXXX and US Bank has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my XXXX profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (MI)

XX/XX/XXXX payment was made XX/XX/XXXX payment was taken form checking account XX/XX/XXXX Phone call was made about payment not being applied and was told not to worry they would find the payment and it would be applied to call back on XX/XX/XXXX XX/XX/XXXX Called back, issue had not been resolved was told to wait another 10 days XX/XX/XXXX Called to see status nothing had been done XX/XX/XXXX Nothing had been done XX/XX/XXXX Filed a complaint within Panorama for them to escalate the issue and get it resolved XX/XX/XXXX Our local Credit union notified us that our house is delinquent on taxes XX/XX/XXXX Issue still has not been resolved. I am being told that they have no communication between front and back office to see status of issues that they have a master task list that they are working through and there is no way to know the status of my case.
Consumer complaint received 2023-03-20
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. (FL)

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-03-02
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. (MI)

I pulled my credit report and I instantly noticed names, addresses, accounts that I know I didn't open or authorize. I pulled my report because I was planning on financing a car and that's when I pulled it and noticed unfamiliar items on my report for example I have a XXXX collection account that doesn't belong to me with a balance of {$1600.00} so I'm here to take action so I can save myself from anything else in the future.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 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. 
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 2023-07-11
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. (NC)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ), XXXX shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1300.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} 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
Consumer complaint received 2023-07-11
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-04
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 (CO)

On XX/XX/XXXX, at XXXXXXXX XXXX. I entered a XXXX parking lot with a XXXX posted parking rate of {$22.00}. I was charged {$45.00}, more than XXXX times the posted rate. This transaction was posted on XX/XX/XXXX. I promptly disputed this charge with the merchant and US Bank. I immediately submitted a form to the company but did not receive a response. I followed up on XX/XX/XXXX. I received a response on XX/XX/XXXX requesting the parking lot location. I replied on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, Office Manager at XXXX requested documentation showing I paid a higher rate than the posted rate. I furnished this information on XX/XX/XXXX. The company never responded. 

I also disputed the fraudulent charges with US Bank. On XX/XX/XXXX, I was granted provisional credit in the amount of {$23.00}, which represented the difference between the posted parking rate of {$22.00} and {$45.00}, the amount I paid. I was sent XXXX forms to fill out, which I promptly completed and returned to US Bank. On XX/XX/XXXX, the Provisional Credit in the amount of {$23.00} was reversed by US Bank. I promptly called US Bank on XX/XX/XXXX, at XXXXXXXX XXXX The call lasted XXXX minutes and XXXX seconds. I spoke with XXXX by telephone and stated that I never received notice of the reversal of the provisional charge. He stated that notice had been mailed the end of XXXX. I mentioned that I would like to have a copy of the form and investigation records. XXXX assured me that someone from US Bank would call me on XX/XX/XXXX. No one returned my call. 

US Bank had a fiduciary duty to act in their customers best interest. They failed to act in my best interest by allowing a company to fraudulently withdraw money from my account.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NY)

I was awarded my families home in my divorce, that was finalized in XXXX in lieu of that i became sole owner of the property and everything else with it as of XX/XX/XXXX. At that point in XXXX I gathered all information my ex husband was required to give me about the mortgage. I began making calls and learned he hadn't made any payments since XX/XX/XXXX and that the ONLY option I had was to apply for a loan modification to prove financial hardship had happened. I submitted my full application in XXXX because I was waiting for proof of the quit claim deed. I communicated multiple times a day and week with various workers at selene finance. They are all recorded conversations that can be corroborated with what I'm saying. After telling us every week that we were all set and we would get answer in that week sometimes. We reached out to the law firm to see if anything additional actions could be done we were assured that we had plenty of time before the sale date. The week the house was sold we were told too bad and that nothing could be done. We went to the county clerks office to see if there was anything more we could do. Then we were asked why we waited so long because I was " served '' back in XX/XX/XXXX. Come to find out the process server met with my ex-husbands mother who impersonated me so therefore all of my mail was going to his address. Anything pertaining to the house or me was going to his address at his moms. An address i never ever lived at, ,even though the mortgage company had my correct address. But some how he was the only one receiving information. Then we were given papers that say I stated I lived with my ex husband. Meanwhile we were going through divorce proceedings that entire year. He lied underoath stating he never received any information whatsoever about the house when he was that entire year. I have documents to prove due diligence was never conducted, failure to serve took place, we attempted to call the refree we never knew existed, we never received any call backs about us finding out my identity was falsely used and my house was sold still. We need help figuring out how to get justice and or how to legally reobtain my home and now I'm receiving bills from that home. Deficiency amounts and a mortgage bill from slelene finance. We tried gaining legal aid but im told its a conflict of interest and that he more than likely was using similar services or had inquired about it. He also is a deputy sheriff so we don't know if that has any significance either.