davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX I noticed that two payments were made on my Amazon synchrony bank card. I called synchrony bank and asked if I could be refunded one of the payments I made. I was told from synchrony bank that its a credit on my account and it would take over 30 days for me to receive a check, I told the rep that I would make a report with my bank that it was not a authorized transaction. I went to my bank and made a report but I was told because it was an ACH transfer, I will have to go back to synchrony bank. the next day I called synchrony bank and requested a check. I was told by the rep that it will take 7 to 14 days not 30 days to receive a check. I verified my address with the rep, to ensure i will receive my check. that following Monday XXXX XXXX sent me a email saying they were able to get one of the payments I made back from synchrony bank. I then tried calling synchrony bank two times I was told on the phone by the rep that they were unable to hear me. I than used their online chat option. I was told by the rep that he will resolve getting my check not issued. I noticed the next following week that I got a letter from synchrony bank saying that my transaction was reversed. When I looked at my account I noticed it was {$230.00} the check that I requested for them to stop they decided to still send so now I called the rep and ask for a stop payment on the check and for my payment to be applied back to my account I was told from the rep that they were unable to do that. I was able to get a hold of a manager and was told by the manager that she put a stop payment on the check and I would be refunded in seven days I notice that on XX/XX/XXXX that I had received the check from synchrony bank. I called the rep and ask for my payment to be applied back to my account, but I was told by the rep that my payment would not be able to be applied to my account because she could not stop the check i told the rep the Check was already stopped from a manager and I was left on hold when she came back she told me she put a stop payment on the check and that it would take 30 to 60 days for me to get my refund. I told the rep again a stop payment was already put on the check from the manager and that it would take up to a week for me to receive my money. I ask the rep to transfer me to a manager. I was transferred to a manager and was told that stop payment was put on the check and that it would take 14 days for me to receive my refund. Ive talked to five reps and two managers and each one is telling me a different story I would like my payment to be applied back to my account because the check is destroyed and stop payment is placed on the check Im getting different responses, and I am left unsatisfied
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

I was charged a late fee in XX/XX/2024 of {$29.00} because my payment was sent TOO EARLY. I received another late fee of {$49.00} in XXXX, for the same reason, TOO EARLY, but in addition the amount due for XXXX was not correct. I called the phone number given on my statement and was told this happened because it was not within the billing cycle. No where in my documents does it state I will be charged a late fee for an early payment. The technician I spoke with removed the second 'late ' fee, but would not remove the first even though, as I explained to him, that the error of the second fee was a result of the first late fee error. I want both late fees removed as nowhere does it say in the agreement documents or statements that a payment received early will incur a late fee. And since XXXX the minimum payment due that is shown is not correct and these statements should be fixed.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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.
Consumer complaint received 2022-09-29
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened the Capital One XXXX. They had an advertisement that I am pre-approved for a XXXX XXXX XXXX. I was just curious what the terms were and how much the credit limit offered would be. Before that I checked the same with the XXXX XXXX. It was super easy and they provided me the details of the product and then asked if if am ready to begin the actual process. I was not ready to actually apply I was just researching. However, just following the prompts in the process I accidentally applied for the XXXX XXXX XXXX XXXX I did not intend to do that. I believe the prompts were a little confusing. Once I realized what has happened I immediately called Capital One and canceled my credit card. However, they also ran a hard check on my credit score and that had a negative impact on my credit score. I called Capital One to get further details and explain that their process is a little confusing. They need to change the credit card application process and make it clear that you are indeed applying for a card and that there would be a hard check on your credit score.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NM)

For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed.

I demand that this company remove any claims that are on my credit report immediately.
Consumer complaint received 2022-06-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted Transunion, XXXX and XXXX to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX Account XXXX ( Equifax ) Amount in H/C column is credit limit of {$380.00}. Please remove from my credit report. XXXX, and XXXX does not show this.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MN)

I had a credit card debt through XXXX XXXX bank that was turned over to midland funding that was then sent to XXXX XXXX. I paid XXXX XXXX but I can't get them to report the debt being paid to the credit bureau. XXXX XXXX has lied, made false statements. They are playing games with the consumer. How this company is able to operate is beyond me. I have falsified documents from their office. I've read numerous complaints regarding XXXX XXXX yet they're still in operation.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc. (OR)

I am having an ongoing issue with a collection agency attempting to collect on a debt which has been disputed to no end by myself and which they have refused to investigate as outlined by the FCRA and with specificity to the Fair Debt Collection Practices Act. 
The company of which I speak is : Capital Credit & Collection. 
On numerous occasions I have disputed with them and requested documentation in hard copy, I have requested information that does not consist of them sending me a bill. They refuse to provide anything other than their bills and their letters threatening and seeking to force payment. 
I am asking this agency 's assistance in this matter. 
The matter needs to be investigated in a timely fashion as I have asked them numerous times, and if it can not be verified, which I believe they can not do since they have always avoided to assist me, then I ask it be removed from XXXX, XXXX  and XXXX  and anywhere else it is being illegally reported.
Consumer complaint received 2022-06-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

BSI Financial bought my mortgage from XXXX XXXXXXXX during a loan modification in XXXX. I was told that my 1st payment to BSI was not due until XXXX. I was told that it could take 30 to 60 days for BSI Financials system to catch up and report everything properly. I was told that during this time that nothing would be reported to the credit bureaus. On XX/XX/XXXX. XXXX reported me as being 120+ days late. I am now being ignored by BSI and have even reached out to the customer care team and spoke with the office of the president. I was told that I would receive a call back within 48 hours.That call should have happened on Friday the XXXX of XXXX. I have made all the proper payments to BSI.
Consumer complaint received 2022-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CCM Finance LLC (LA)

XX/XX/XXXX I purchased a vehicle under the impression my down-payment was XXXX. With a bi weekly XXXX. I was at the dealership earlier that day to meet a person that was advertising XXXX XXXX XXXX on XXXX by the name XXXX XXXX and informed him I only had XXXX to put down on the vehicle. He wasn't when I made it but told me to ask for XXXX. After looking around a different car she give me the price XXXX XXXX XXXX  XXXX down-payment and XXXX a month. I deny the offer and left. I contacted XXXX XXXX and told him what happened and he told me he gon na work the deal told me to come back he got my down-payment to XXXX and he would put the other XXXX made it back XXXX minutes before closing so everybody i rushing. Give them my down-payment XXXX informed me that I was still getting the same vehicle and the same bi-weekly payment and to speed up the process I'm guessing she told me I didn't have to read the paper work because it's everything she explains early only thing change was my down-payment amount. But 2 week later I got a call about the remaining balance of down-payment for XXXX and XXXX i think for insurance that only coverage is for the car. Which that wasn't explained and I only found out after getting into a accident with my kids 3 days after making the purchase of the car. Looking over my agreement I noticed they fraudulent my home address without telling me but advertised they financial to louisiana residents so why did they use a fake address is confusing so with everything that I just felt that they was full of scams and didn't make a payment now the car has been repo but don't wan na tell me when to go to get my stuff give me a number that go straight to voice mail
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2022-09-14
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to formally complain about the way BOFA has handled my 2 cases that are in the subject line above, and the BBB has been contacted to help me with this, who will also be getting in contact with the XXXX. On XXXX I called to file a check fraud claim that occurred on my account, I spoke with someone in the check fraud department and spent almost XXXX hours on the phone with him. He ASSURED me that my case would be filed and that I would have to call to check back to check on the status of the claim. I called back a month later on XXXX to find out that my case had NEVER been filed. My case was not formally filed on XXXX from my original call in on XXXX! This is GROSS NEGLIGENCE. The fact that Bank of America did not file my case for over 1 month speaks volumes about their customer service levels, which is extremely poor. It seems that BOFA did not care to file my case, nor did they take the proper steps to ensure everything that could be done, would be done in the check fraud investigation. BOFA is now trying to wash their hands clean of my check fraud case even though they had a HUGE part in neglecting to file it. I wanted to send this email as a last resort before specific action is taken by me with banking governing bodies as well as the XXXX. To this date I have not heard back from a manger at BOFA regarding my compliant and how it relates to the check fraud case, just that my check fraud case was closed. The XXXX, XXXX, and other governing bodies will be alerted and looking into this with a fine tooth comb. Customers deserve to have their cases filed on time and failing to do so is breaking regulations. 

On XXXX XXXX fraudulent checks were deposited into my account, which bounced 2 days later. Bank of America failed to place a hold on the check to ensure that the funds would clear. However, they are not accepting any wrong doing from this. They also did not file my fraud claim for over 1 month which is the main issue. Please hold them accountable for messing up the investigation by NOT FILING A CLAIM!!!
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a post card datedXXXX stating acct. ending XXXX from Truist bank was overdrawn by { XXXX } .The acct had been overdraft for more the XXXX. When I received post card I immediately went to Truist bank to let the bank know that someone had committed fraud. On XXXX went to bank to no avail. Then went to XXXX police to file a report # XXXX. 
After police report I returned to bank and the bank was receptive at that point. Truist bank then gave me an account statement. Someone had used my name, address and ss # to open a checking and savings acct. there. the opened the acct. online. 

The email of bank representative : XXXX email of person committing fraud : XXXX XXXX