davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (GA)

My Regions credit card and debit card ( along with several other credit cards ) were stolen on XX/XX/2019. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$1200.00} and {$2000.00} ( and {$300.00} from my Regions debit card ). I reported the cards stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank over their 800 number ( and to the local police department - XXXX Police Department case # XXXX ). 

On XX/XX/2019 Regions charged me a late fee of {$27.00} and then on XX/XX/2019 I was charged a {$38.00} interest charge. When viewing my card balance online the card balance shows as {$0.00} with a minimum payment of {$0.00}. I keep a close eye on my accounts, especially after my wallet was stolen, so I had no reason to think there was anything wrong with the account. I have attached a print screen showing what I see when I view this account online. 

This morning ( just after XXXX ) I spoke with XXXX at Regions credit card line and was told reporting the credit card stolen wasn't enough, I also needed to file a claim to not be responsible for these fraudulent charges. When reporting, the card stolen I absolutely confirmed those charges were fraudulent. XXXX informed me I am responsible for the interest charge, late fee, and balance of the fraudulent charges. I asked her to officially contest those charges, but she has informed me in the meantime I am still responsible for those charges. XXXX also informed me that it could take 30 days ( or more ) to resolve the issue. I tried calling before XXXX, but was disconnected after holding for 15-20 minutes ( this happened several times ).

I had to file a complaint with CFPB ( complaint ID # XXXX-XXXX  ) to get the charge to my debit card reversed, which Regions did and I am grateful for this action. However once again as a matter of policy they do not limit user 's liabilities to {$50.00}, which is the law per the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know ( but every source I've seen says I'm right ). 

In the next step I'm asked to identify the card number for the complaint, but I only have the replacement card number which I will provide.
Consumer complaint received 2023-01-23
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. (NC)

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First time signing up for credit reporting in XX/XX/2021. 

Filed for fraudulent accounts on credit report. XX/XX/2021 Attempted to have credit locked down XX/XX/2021 Second attempt of having credit locked down XX/XX/2021 Third attempt of having credit locked down XX/XX/2021 Fourth attempt of having credit locked down XX/XX/2021 No help with credit monitoring account XX/XX/2021 from customer services Customer service would not help and take care of the negative inquiries reporting to your credit report even after sending two certified mailers to company from USPS.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (TX)

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I received alert on XX/XX/2023 that there was a hard pull on my credit report, when i check it, there was a company i never heard of that had pulled my credit Comenity CapitalXXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX OH XXXX. 
I am in a program trying to buy a home the time and applying for anything right now would hurt my chances,. I disputed and the company responded with it was my inquire, but if I'm telling you it wasn't me, how can you say it was. i have other cards and loans that i actually applied for i take responsibility for that but i shouldn't get penalized for a company doing wrong. I also reached out to bbb and seen this company has did this to others, with it being a day before it was done to me.
Consumer complaint received 2023-05-13
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. (MI)

There are too many different Addresses on my report it shows creditors red flags filed identity theft no action taken Too many wrong names on my report throws red flag to creditors filed a dispute no action Old hard inquiries are impacting my credit score Tried to get them removed no action Identity Theft file a dispute no resolution
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Responding to a letter dated XX/XX/2019 from XXXX. XXXX US Bank customer Advocacy. In this letter of explanation and justification of allowing US Bank to request Two months mortgage payment before the grace period of 15 days is up ( early issue of mortgage statement ). Which is before a delinquent periodic payment has happened ( incurring late penalties )? Using mortgage banking terms or internal process as part of the 15day grace period, afforded to US Bank Servicing ( yet out of the customer hands ) in effect, do not appear to be per the loan documents and may most likely reduce the grace period at the pleasure of US Bank servicing. It will further allow US Bank justification of collecting late fees for internal process and or common used mortgage terms applications, not common to customers, blaming these processes of a customer mortgage payment being processed beyond the periodic payment period ( late fee after 15days ), justifying collection of a late fee. The loan documents periodic payment becomes past due, or when a late fee may be assessed, on the 16 day following the due date of the 1st. This is stated not only by their loan officer but on the Federal Truth and lending documents as well as on the loan documents themselves. Payments are deemed received by lender when received at the location designated in the note or at such other location as may be designated by lender in accordance with the notice provisions in Section 15. This letter in effect, directs further loan requirements not on the signed loan documents, but rather on the back of US Bank servicing department payment stub which limits or inhibits the 15 day grace period allowed with the loan documents. The 15 day grace period apparently includes industry servicing mortgage terms and or internal processes ( which the consumer has no control over ), according to this letter.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (TX)

In XX/XX/2021 XXXX bank purchased my bank XXXX. I had an Experian account, I contacted them to inform them of this transaction. At which point they canceled my " boost '' and lowered my credit score by over 100 points. I have never been able to straighten this matter out with Experian. Nothing on my bank account changed. It's the same information as my XXXX account, but Experian says they can't update my information. I had to purchase XXXX after one of the Experian supervisors had me email my personal information to their customer service department. I have tried for the last four months to resolve this situation with Experian. I worked very hard for two years to get my credit score where it was, to have it lowered due to Experian 's negligence.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For months have been receiving numerous calls ( most robo calls ) for different numbers for the same company Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX VA XXXX. They have been asked in writing by mail and email to cease and desist all communication, especially at my place of employment. Instead of stopping the calls have increased and have now became to include with threats to contact my employer. 

Letter dated XX/XX/2019 was emailed and mailed via USPS to the above address. Second letter mailed XX/XX/2019. 

In XXXX a call was answered from an agent for the company, they where given no information and where told to they are being notified to stop calling and remove the phone number they are contacting. 

This company is not following Fair Debt Collection Practices Act and need to be held accountable for their actions.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

My complaint is with Citibank XXXX XXXX ( see attached documents ) and involves a misallocation of payments to credit card sub accounts that differs from their stated allocation method. 

Further details are included in the attached documents.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (TX)

Last week I received an alert that I had some new collection activity from XXXX XXXX. There is an account from XXXX in the amount of XXXX. I do not know nor have opened an account with this company. I would really like some type of proof provided to me such as a signed contract that I opened this account. If that can not be provided to me please cease activity and remove from my credit asap. I was not notified of any sort of the collection.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My problem is with Equifax not wanting to remove a hard inquiry. On XX/XX/2019, I  received an alert from XXXX XXXX XXXX credit monitoring service ( Thanks god to them ) about an unauthorized hard inquiry from XXXX. I immediately froze my credit reports from all three agencies. filed FTC Identity fraud report and called XXXX on XX/XX/2019 and XX/XX/2019 who twice stated that they submitted retraction of the hard inquiry and gave me email confirmation of it. 

I have contacted Equifax over XXXX XX/XX/XXXX in a direct message to which they said they would get a " senior team member '' to contact me on XX/XX/XXXX. No one called me. I tried sending more direct messages which were willfully ignored. I filed an Equifax dispute about 23 times ( this will keep increasing until it go away ) to date to properly open an investigation to remove the unauthorized inquiry. 

XXXX declared the inquiry fraudulent and claimed they sent inquiry retractions and Equifax does not want to retract, so at this point I believe they are in violation of the FCRA.
Consumer complaint received 2023-01-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX  XXXX Balance : {$33000.00}
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

XXXX, XXXX I received an unsolicited offer from Synchrony Bank to open a Mastercard account which provided 0 % interest and 0 % interest on balance transfers for 12 months. By phone I applied and was approved for a {$2500.00} credit limit. XXXX I made a balance transfer to this acct in the amount of {$820.00} plus {$33.00} transfer fee = {$850.00}. XXXX I paid {$75.00}, on XXXX I paid {$30.00} minimum payment, XXXX paid {$30.00}, XXXX paid {$150.00}, XX/XX/XXXX paid {$100.00}, XXXX paid {$100.00}, XXXX paid {$260.00}, XX/XX/XXXX paid {$260.00} and XXXX paid {$360.00}. The due date was the XXXX of each month so I was never late. In addition to the balance transfer on XX/XX/XXXX I got a cash advance for {$500.00} with a {$25.00} cash advance fee and was charged {$11.00} interest. 
On XX/XX/XXXX I received an email informing me my credit limit was changed to {$640.00}. I had a balance due of {$610.00}. On XX/XX/XXXX, the same day of change notification my credit limit was lowered WHICH DROPPED MY CREDIT SCORE BY XXXX POINTS IN ONE DAY. Immediately I paid {$260.00} and on XX/XX/XXXX I paid the balance in full. I have a XXXX BALANCE due Synchrony. 
Yet as of today XXXX my credit report shows I owe {$610.00} with a XXXX XXXX usage of this credit card. My credit limit was changed in one day. Surely they can update my payments so my good credit score can be restored. 
I was never late with Synchrony or any of my other credit card payments for other cards.

I should have been given proper notice of the lowering my credit limit so I would have time to act.

I have been both financially and emotionally harmed by Synchrony. 
I was going to rent an apartment in XXXX in XXXX for 3 months. It will be impossible to be approved for a rental due to my credit score being lowered to such an extent by the action of Synchrony.

Synchrony is in breach of contract with their offer of 12 months no interest for balance transfer. Synchrony has damaged my credit standing. I will seek all legal remedies available through legal aid due to my age ( XXXX XXXX XXXX ). I HAVE BEEN ABUSED by Synchrony Bank.
Consumer complaint received 2022-09-16
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. (MN)

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a checking account on XX/XX/2019 with Capital One 360. Due to the limitations of Capital One 's website, I had to initially open it in my name only. Once the account was opened, I was then instructed to send an invitation to my spouse in order for her to become a joint account holder. This was done and my spouse received an email the same day instructing her to log in to Capital One and complete her portion of the joint application. 

When my spouse logged into the Capital One website to complete the joint application, she answered a few questions and upon submission was stopped due to a what was called a security issue. Despite going through this process several time her portion of the application could never be completed. 

Over the course of the next few days, both my spouse and I spent several hours on the phone with Capital One personnel in an attempt to complete the joint application process. And at no point was she given a reason for this failure other than their software sometimes has problems. And worse yet, there was no one willing to step forward and intercede. 

Finally, after getting nowhere with Capital One, I chose to close the account on XX/XX/2019.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (NC)

Hello, So there is a debt amount that they are claiming are from Rent Recovery Solutions debt collection which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. I have no idea what this is and I was never notified before a collection was reported on my credit statement.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I had money in the account at the time of transaction. When it finally posted to the account after removing and holding the funds prior, they will give an overdraft fee if the same amount is not in my account although the money was removed at the time of purchase. I received numerous overdraft fees for one transaction and was forced to pay them because it happened more often when I know I was managing my funds correctly.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue for debt thats not mine. We will personally visit their office in XXXX and talk to XXXX himself if need be. counter suit will be filed if they proceed with this harassment