davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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)

I wrote a letter on XX/XX/2023, inquiring about both known and unknown information on my credit report. I still haven't gotten an answer even after more than 60 days have passed. I feel as though my disagreements are being disregarded and exploited. According to Section 611A, if these issues are not investigated within 30 days, that is a valid cause to have them removed off my credit report right away. They ought to be removed right now because it has been more than 60 days. I demand that these things be taken down right now, or I'll file litigation for the stress you put me under. The XXXX data leak also affected my information, which might have ended up in the wrong hands.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MO)

2020 Sam 's Club Synchrony Bank MC. All account balances due have been paid in full as of XXXX XXXX 2020 On this date a balance of {$990.00} was paid in full prior to the due date of XXXX XXXX 2020. A new balance for {$28.00} is due for XXXX XXXX 2020. Two calls were made to identify why a new balance issued, in the amount of {$130.00} is due, rather than the new transaction balance of {$28.00}. No one with customer service or management is able to identify the transactions totaling {$130.00}. Have spoken to both. Our account activity shows the new amount of {$28.00} with all previous transactions being a negative and included in the payoff amount of {$990.00}. There has been no proof given us to have a new balance in the amount of {$130.00}. Any transactions totals given do not add  up to it and they are pulling transactions from as far back as XXXX. Doesn't make sense to us. We also worked with the transactions to no avail. We don't want to become victims of overpayment. Perhaps we've already overpaid and there could be money due us. Our hard earned and retirement dollars were accepted for payment and no one has been accountable for the totals to add up correctly. As far as we can tell we owe {$28.00} because all prior monthly billings were paid in full. Why should we pay {$130.00} when it's just not adding up with any of our transactions. Elder laws apply to us and we are making every effort to be responsible and accountable for our payments due. We are on a fixed income. We served this country for thirty six years with XXXX XXXX and XXXX XXXX XXXX  as a XXXX  of XXXX XXXX and with other significant XXXX XXXX XXXX. Our integrity and services are a Big Deal. Put life on the line so many times and lucky to be alive. We don't file a complaint unless we see the need for attention to fix the problem, which obviously is lacking. We hope this message will receive the attention it deserves. It also appears to be a fault within the billing system that no one can explain.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (CA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as Experian, XXXX  and XXXX. I have provided proof of the cancellation via an email exchange between myself and the XXXX.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone either stole my debit card or hacked my account to use about XXXX XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. The person moved from near me ( XXXX LA XXXX to XXXX. 
I was home during the weekend and never left the apartment except for to walk my dog. I even have a statement with another credit card of having delivered food to my apartment on XX/XX/XXXX evening, though the person who stole my card seemed to hit many stores wandering outside in XXXX  XXXX. 
I got an alert on XX/XX/XXXX afternoon about fraud activity and called the bank immediately to report fraud activities and stop my card. My bank ( Bank of America ) promised theyd perform a fraud investigation and would get back ti me. And I didnt hear anything from them for 10 days. 
On XX/XX/XXXX, I found out on its website that my case had been closed. I called the bank and they said everything looked normal and my case has been denied, even though this person spent XXXX XXXX dollars in 2 days. That was 1/3 of my savings. 
I have never been in XXXX for 4 years. I never spent this much money and all abrupt purchases at convenience stores clearly isnt my consumers pattern. 
I am desperate and very scared about this since I need to pay for my bills soon and i have very little saving and income during this time. 
Please help me and let me know what my options are. Thank you.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hello. I am a victim of XXXX fraud. I have a debit card through Citizens bank which is tied to my checking account. I noticed that my account went into overdraft protection and I received an alert about that. This is what led to me noticing the fraud. I never lost physical posession of my debit card but somehow someone got the information and was using it to withdraw money through XXXX. I have never used XXXX I do not have an account on that website and I have no affiliation with them. 

I called Citizens bank to report fraud that I discoved on XXXX ( ref number XXXX ). There were 26 seperate charges for XXXX each totaling XXXX from XXXX that I did not make. This occurred from XX/XX/XXXX to XX/XX/XXXX and each transaction was exactly XXXX. 

I still can not understand why this was allowed to happen. This is clearly fraudulent activity and should not have been allowed to occur. Citizens did nothing to protect me from this whatsoever, it occured over a month. They took XXXX at a time every day or so, maybe skipped a couple and then took another XXXX, 26 times making it difficult for me to notice unless I logged on to look at my account. Citizens NEVER flagged someone taking out XXXX a day, 26 times.. This is unacceptable. 

Citizens closed the debit card and sent me a new one through the mail. They told me that the stolen money would be returned to me 3-5 business days. This did not happen. Nobody has contacted me about this fraud after my initial report. Nobody has mailed or emailed me anything in writing. Nobody has called me about this. I understand there was a recent lawsuit files against Citizens for this exact same reason. It seems they have not learned their lesson and have no refunded me. I have NEVER reported fraud in my life this is the first time and I deserve to have the protection advertised to me. Citizens is not follwing their unauthorized transaction policy nor their debit card zero liabilty policy.

In addition, I have already received one overdraft notice ( which results in a {$35.00} fee ). I am now about to get another overdraft notice because it is now XX/XX/23 and my money has still not been returned. 

I tried calling Citizens bank again on XXXX and asked to speak with a manager. I have now been on hold for 57 minutes and a manager is not answering my call. XXXX is the fraud number and the number I called.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( XXXX XXXX XXXX ) & XXXX XXXX  XXXX
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I am from Louisiana and found a car I was interested in buying online in XXXX, Tx. I spoke to the dealer and made arrangements to purchase the vehicle. I had a friend bring and drop me off to do so. XX/XX/2022 I purchased the vehicle from XXXX XXXX. Not being able to review the contract while in the company of the finance manager representing XXXX XXXX due to no copy being supplied and having to rely on a video display and the finance managers word I didn't realize the vehicle price was altered to a higher price than advertised and agreed upon. Nor was there any explanation that my loan would be transferred to NMAC and that they would be tacking on all these finance charges. I would later found out all this information after I sent a debt validation to NMAC and they returned a contract for validation. This contract along with another that would eventually be sent during my communications with NMAC are both dated incorrectly with separate dates all of their own and with signatures I did not sign. These signatures are replications from a computer copy and paste as they are all identical with obvious discrepancies from copy and paste method. After communications with the TX XXXX and my case review XXXX XXXX the investigator with enforcement division of the TX XXXX issued a violation 215.242 to XXXX XXXX in lieu of this deceptive practices.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to XXXX. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX XXXX data breaches AND XXXX  breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (MA)

I was never contacted about a debt collection. A debt collection agency found debt I was unaware of and put it on my credit report. They say they sent mail to an incorrect address and they use a phone number that is blocked by phone carriers, but they tried for 30 days before putting it in my credit report.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

This complaint is regarding all three accounts with Synchrony Bank : XXXXXXXX XXXX XXXX, and Synchrony Home. 

XXXX and Home had limits of over {$1000.00} and Mattress was {$750.00}. I got these cards to assist with repairing my credit report. I paid these accounts on time. However, during the pandemic, credit card companies started lowering balanceswhich wasnt fair to consumerswhich caused a snowball effect to those of us in the XXXX XXXX XXXX. 

The lowering of balances negatively impacted my credit score which caused Synchrony to lower balances further and eventually closing, XXXX XXXX, account. All of this despite timely payments and a complete paying off all three accounts in XXXX of XXXX.
Consumer complaint received 2020-10-05
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (CT)

My son received a collections letter from The ( RMS ) Receivable Management Services, LLC on XX/XX/XXXX stating there was an overpayment of $ XXXXon his prescription drug plan back on ( service date ) XX/XX/XXXX, and he would have to pay it. He tried calling the number listed to ask what the complaint was and who it was through. He didn't get any answers that made sense. The name of mine and my husbands insurance carrier was listed in the letter - Mailhandlers - XXXX XXXX ( which was son is no longer on ). Due to XXXX he has been on XXXX XXXX insurance for quite some time now. 
I immediately called our insurance carrier ( since that is what was listed in the letter ). They agreed that yes, he was no longer on our ins and that they had never claimed a non payment for anything like this and had never sent anything into collections. They said since it was a prescription, Maybe XXXX had submitted the complaint. We did a three way call over to XXXX ( which handles all of our prescriptions ) and they also concurred there was no dispute and they hadn't sent him to collections either. After getting all this info I called the company that sent the letter where I was informed that they basically have no information at all to give me, just that a debt is owed. I told  the woman I spoke with ( XXXX ) that I had called all the parties involved and they all agreed that there was no debt and they had never sent anything in his name to collections. She stated that she  would mark the account as " disputed '' and that " maybe she could just " get the debt thrown out '' and someone would call me back within the next week. This did not sound right to me. My son ( who has a " host of mental issues '' was all freaked out about this hurting his credit and was ready to call and just pay the {$200.00} dollars. He doesn't even have any credit as of yet, so I'd hate to see the first thing on his credit report be a bogus collection from a shady collections company.
Consumer complaint received 2023-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IL)

Hello Please see the following attachment for my payments history that are not being applied. My mortgage statements that I am being sent, with varying amounts due to late payments, however below the last XXXX months were paid according to the statement I am paying the amount listed on the mortgage statement, however I am being informed that I am now XXXX months behind. 

**A check was sent on XX/XX/XXXX but not cashed and posted until XX/XX/XXXX for {$1200.00}, **Statement Date XX/XX/XXXX, payment due XX/XX/XXXX was {$3500.00}. 

1. Amount due for Statement Dated XX/XX/XXXX. 
due XX/XX/XXXX I was sent an amount due for {$4700.00}, The following payments were sent and posted {$4000.00} sent on XX/XX/XXXX and cashed. 
Check Date XX/XX/XXXX, Check # XXXX & Check # XXXX Total amount sent was {$5200.00} for XX/XX/XXXX 2. Then for the statement dated XX/XX/XXXX, due date of XX/XX/XXXX amount due was {$780.00} and a check was sent, received on XX/XX/XXXX and cashed on XX/XX/XXXX for {$780.00} check # XXXX 3. Statement dated XX/XX/XXXX due date XX/XX/XXXX It showed no amount due but a credit of XXXX, unapplied credit Balance of - {$1200.00} XXXX. Statement dated XX/XX/XXXX, due date of XX/XX/XXXX It then reflects that I am now behind XXXX payments totaling {$2400.00} However a payment was sent and drafted successfully for {$1200.00} with an additional unapplied credit balance for {$72.00} 4. Now I am being told the mortgage payment was not applied that I am XXXX months behind and that only a partial amount was applied of payment - {$1100.00} but as follow. 
{$190.00} Principal {$500.00} XXXX {$490.00} Escrow But the payment should have been the entire amount of the new mortgage payment of {$1200.00}. 

The Mortgage statement for XX/XX/XXXX also reflects that there is still the amount of {$780.00} in suspense and that it can not be placed towards payment history because the correct amount was not paid in XXXX. 
I am very confused and needed just help to make sure and to stay current.
Consumer complaint received 2020-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have had a HELOC with Bank of America for several years and up until XX/XX/2020 the line was working properly in terms of draws, repayment of principal and monthly debt servicing. The monthly servicing was taken directly by the bank by debit from an existing Bank of America checking account. 

On XX/XX/2020, I make a " principal only '' repayment of {$1500.00} from my Bank of America checking account. For some reason the bank did not reduce principal but rather held the amount in suspense. This same result was applied to a payment of {$2700.00} made later in the month. After a 2 hour wait on hold by their customer service line I was told the bank has upgraded its servicing software which is the reason for the delay in application to reduce principal. 

This is not the only issue. The amounts in suspense began to be used by the bank to pay my monthly service amount without my consent or even discussing. Now they apparently have reversed these entries and are showing my loan as past due. I am totally confused. 

I also don't agree with their principal balance and have not since XXXX. I asked the local branch recently for a reconciliation. I did my own reconciliation while I waited for theirs. Upon receipt, what the bank sent was almost unusable. I believe that my principal balance differs from the bank by more than {$1000.00}. 

After two months of trying to get this corrected, I have never been more frustrated than I am today. I can not be the only customer who has this same issue given it was a systems conversion which is the cause. No intelligent person at the bank will even return my phonecalls or respond to my email. 

Can you please help? 

XXXX XXXX
Consumer complaint received 2020-10-05
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.
Consumer complaint received 2020-10-05
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. (CA)

I had a car Loan with in XXXX 20 years ago I paid on the note for years never late ever then I Lost my homes and everything I owned. I went to the credit union and told them I was in Trouble Financially and was losing everything they didn't care .I became homeless living in my motorhome for years. 

On this XX/XX/XXXX XXXX Ran A Hard Inquiry on my Credit with out my permission and my Credit Dropped over 40 Points I called Trans Union and they told me what happened and to call the Credit Union and ask them why? 

I told them never to run my Credit ever again or im going to take Legal Action!! 
XXXX  Didn't Know what to say. 

I called the credit union and said that they had no right to do a hard inquiry on my credit and i was very upset the woman was very rued and said they had the right with out my permission .the note is over 15 years old it was a charge off. 

Trans Union even said this was wrong to run my credit with out my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX