davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AR)

I have an IRA CD and a family trust CD with Synchrony Bank. on XXXX, 2019 I received two emails within 7 minutes of each other that stated that a trial deposit has been successfully made to an amazon creditbuilder account. We do not own this account. When I attempted to reach Synchrony regarding this issue, I got a recording stating that the number was not a working number and it came up as a spam number on my phone. This is a number for synchrony that I have used before. Every number attempted to reach the bank resulted in the same result. I am concerned that money has been removed from either of both of these accounts.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had my credit files frozen at all 3 credit bureaus for many years now. On XX/XX/22 XXXX XXXX accessed my credit report without my consent while my credit files were frozen. I have never had any relationship with XXXX XXXX ( no accounts, applications, etc. ) so my credit report should have never been accessed by this company. This is clearly fraudulent. XXXX XXXX should have never tried to access my credit file, and TransUnion should have never allowed it to be accessed. I have a freeze in place to protect from identity theft and unauthorized access, such as in this situation. This is a serious security breach that I expect to be thoroughly investigated.
Consumer complaint received 2023-04-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX I applied for and received a loan from TitleMax for the amount of {$1500.00}, Total pay off amount of {$1700.00}. On XXXX XXXX, I received a call from XXXX who identified himself as the the manager at the TitleMax location where I obtained Title Loan. He stated the purpose of his call was to advise me that {$8500.00} was deposited into a pay portal that the Broker that process my loan created on XX/XX/XXXX, XXXX XXXX then spent the next five minutes trying to convince me and persuade me to use the money presenting multiple pay off dates. I advised XXXX that the deposit on XX/XX/XXXX was I did not request {$8500.00}, that the deposit was unauthorized and to remove the {$8500.00}. Which to this day, XX/XX/XXXX has not been removed. Written Statement from TitleMax " XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, for {$1500.00} ( the Pawn ) and pledged her XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance of {$1700.00} was due on or before XX/XX/XXXX. '' To CFPB on XXXX XXXX " In reference to Transaction dated XX/XX/XXXX for {$8500.00}. I am now being falsely accused of initiating a new loan on XXXX XXXX, from the same pay portal mentioned above that I requested unauthorized funds to be withdrawn from account. " On XX/XX/XXXX, XXXX XXXX refinanced the original Pawn via Companys online customer portal, by entering into a new Pawn Agreement ( the Refinance Agreement ), the proceeds of which paid off the Pawn under the Refinance Agreements terms and created a new pawn transaction ( New Pawn ). XXXX XXXX also elected to add more funds to the New Pawn, bringing the total Pawn balance to {$4600.00} due on or before XX/XX/XXXX. XXXX XXXX has failed to pay off the Refinance Agreement, which was due by XX/XX/XXXX, leaving an outstanding Pawn balance of {$4600.00} ''. TitleMax refuses to offer any documentation of the deposit of funds on XX/XX/XXXX, or record of withdrawal of funds, totaling {$8500.00}, or any documentation related to the unauthorized XX/XX/XXXX transaction that I reported and asked to investigate. My accusation is that TitleMax 's actions violated the EFTA, TILA, FDCPA in multiple ways. 15 USC 1693b, 15 USC1693c, 15 USC 1963d, USC 1693F, 15 USC 1963g, 15USC 1963H, 15 USC 1693i. There are multiple violations within each of the codes listed in addition to the codes violated that are not listed. I may list them separately based on response.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed (NY)

To Whom it May Concern : I'm currently a XXXX XXXX XXXX XXXX that qualifies for XXXX  Loan Forgiveness. According to the rules, I can get up to {$17000.00} because I have met the requirements for that particular forgiveness. I know this because I've had {$11000.00} forgiven in XX/XX/XXXX from my student loan balance of {$15000.00}. 
Currently, I have {$4400.00} left in 2 loans according to my XXXX account. My guarantor for these 2 loans are the state of Texas which is now Trellis Company. Trellis Company continues to create difficulties for my application in order to get the {$4500.00} forgiven. I have applied seven times. Five out of the seven times, I was told that the documents were not legible. I was told that in XXXX, XXXX, XXXX, XXXX, XXXX, and now again XXXX. The first time I applied was XX/XX/XXXX at the end of my 5 year. 
My last submission on XX/XX/XXXX, I made sure to clearly type the application and have the appropriate signatures done neatly by both myself and previous administrators. I was denied because I was told the application was " too light '' and that they could not confirm that XXXX  XXXX  still works at the XXXX XXXX ( which he does ). No phone calls were made to the XXXX  to verify his employment nor were there any contacts made to him directly. Now I am being asked to show his employment verification of his position which I am not allowed to request through my HR department. 
The first 6 times I applied, there was no mention about my previous XXXX 's status being a reason for denying my application. Now with my most recent denial, I'm being asked to do something that is not within my boundaries. For the past 8 months, I've made multiple phone calls ( at least twice a month ) to XXXX to verify the status of my application, I've submitted all the paper work every time, and everything is up to date. Because I have gotten loans forgiven for a my first application, I know my application is solid. 
I've been informed by XXXX, loan service provider, that my guarantor ( Trellis Company ) keep denying my application for the following reasons : 1- Illegibility 2- "  Too light '' 3- Updated information 4- XXXX XXXX verification of work ( without making any contact with the XXXX  or person ) From the feedback that I am receiving, I am under the impression that Trellis refuses to forgive my loans and keep making me do the run-around until I give up and pay for my loans out of pocket. I have no issues with XXXX, since they have provided me with all the information I need. My problem is with Trellis Company.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (LA)

XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Two months ago they said it was under final review and we would her from them in about ten days. It's been about 30 days and have not heard from them. We tried sending them payments and they were returned. We been getting the run around for the past year. It looks like they are wanting us to lose our home.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has double charged me twice through their auto payment feature in XXXX with two different cards. 

On XX/XX/2022 I paid my balance total of {$320.00} then BoA charged me the same amount again on XX/XX/2022. I called customer service, and they said it was a mistake and offered to refund me the second amount and said this would not happen again. 

On XX/XX/2022 on another BoA card they charged me {$310.00} which was my XXXX balance. Then again on XX/XX/2022 they double charged me {$310.00}. 

All four of these charged were taken from my checking account and were actually taken by Bank of America. I did not specify to make these double payments, BoA 's automatic payment process did this.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (OH)

Hello, my name is XXXX XXXX I live in XXXX, Ohio and someone has opened a credit card using my identity without my permission. It is for-sure identity fraud and Id like it investigated immediately and closed. Ive never opened an account with XXXX XXXX XXXX or an affiliate with that establishment. I only have a XXXX  card and XXXX XXXX  I opened recently. The card was opened on XX/XX/XXXX and the last activity was XX/XX/XXXX. I repeat Ive never opened a card with that company or affiliate. Im beyond terrified I hope my identity doesnt get compromised.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (IL)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOFI TECHNOLOGIES, INC. (NV)

I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed Sofi bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and Sofi bank directly, they have not responded to my requests and have not removed the incorrect information.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2019, my wife, XXXX and I responded to an invitation from XXXX XXXX to meet in XXXX XXXX regarding signing up for a resort membership. We succumbed to the presenters ' blandishments and agreed to sign up for a lifetime, bequeath-able vacation package. The up-front fees were {$6000.00} which we tried to pay with our own existing credit cards. The presenters insisted that we use one of their own proffered credit cards issued by Comenity-XXXX   Rewards Mastercard. 
The Card numbers were XXXX for XXXX XXXX and XXXX for XXXX XXXX. 
These were presented as " no interest for six months '' cards but later it transpired that that promotion was only applicable based on a monthly minimum payable due on or about the XXXX of each month. 
Accordingly I had set up two auto-payments per month from my bank for each of the cards. In a display of gross in-efficiency the bank applied both those payments to the same account and to compound that in-efficiency or perhaps mal-feasance, it even charged a late fee to the account to which the payment was not applied. After much effort and several calls to the bank 's customer service department I was able to get the two payments applied to the accounts they were intended for and also have them reverse the late fees. 
On XX/XX/2019 my bank, XXXX XXXX, mailed out the entire Principal Balance due on those cards, the statements for which had a due date of XX/XX/2019. It would appear that the payment would have reached COMENITY by that due date. Unfortunately, the payment was posted on XX/XX/XXXX, enabling the payee to assess a significant LATE FEE on the statement for a due date in XX/XX/2019. I had no control over the posting date by COMENITY. Since then COMENITY has been charging a Late Fee in each month and adding a Minimum Interest payment on those illegitimate Late Fees. At this point that bank is demanding {$140.00} and {$140.00} on each of the cards. These amounts are comprised only of LATE FEES and ACCRUED INTEREST on those LATE FEES making such Fees a considerable source of Income for the Bank which is refusing to reverse the initial fees assessed on the XXXX payment. I have made that request at several management tiers of the bank. In hind- sight I believe that the bank deliberately delayed posting the XXXX payment merely to have justification to assess those fees. I reiterate that the entire Principal Balance has been paid off and the balance now being demanded is only the snow-balled total of Illegitimate late fees and interest on those fees, thereby compounding the mal-feasance of this bank. 
It is requested that the COMENITY BANK be prevailed upon to reverse those charges under advice to the Credit Bureaus which have marred our credit scores
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

Its a Chase XXXX card. XXXX canceled my membership after they couldn't keep my reservation in Mi during my medical procedure. I had to reschedule procedure for 1week later and booked on the fly at a few hotels using points from new card and funds. Paying out of pocket. My accumulated points after procedure were taken and membership canceled. I had a XXXX event within 45days thereafter and have been in and out of hospital. Im XXXX and am being charged annually by XXXX for a membership i don't have and a point program which ive never received proper cash back or points for ( gas grocery travel bills ). Ive discussed this with Chase who say they can do nothing however i wish to be reimbursed the annual fee since it hasn't applied to me. Im XXXX XXXXXXXX member and have never been treated so poorly. This would be FRAUD against a XXXX person. Ive paid my bill and have never been late and paid above amount due. The balance is ALWAYS wrong on credit. I don't use card often, my daughter added my payments and use and feels the balance is lower and they're taking advantage. Please assist and address these issues. Its been stressful dealing with this, worrying about it. Thanks in advance
Consumer complaint received 2022-11-12
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose
Consumer complaint received 2020-03-04
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. (CA)

I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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.

And according to 15 USC, 1681eb they are supposed to ensure that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crime 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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-04
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 applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021, I started an allotment with Bank of America for {$560.00}, to go to routing number XXXX account number XXXX. This allotment was for the mortgage for my house that I am pay XXXX. The above information was given to me by the associates at XXXX since they do not have the ability to do allotments. I am a XXXX XXXX and the allotment comes out of my pay through XXXX. I have contacted XXXX several times letting them know that the funds was not going into the intended account because my mortgage had not been paid. So we stopped the allotment. The tracer # for this transaction of {$560.00} is XXXX. XXXX has attempted to work with Bank of America to get those funds returned since they did not go to the intended purpose of paying on the mortgage account at XXXX. The last attempt we made was 2 weeks ago and they stated that due to COVID-19, I may not see those funds. To the bank it might not seem like much, but when I had to switch money around for 3 months to cover bills because they refuse to return the funds makes it a hardship on my family.
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Bank Account # 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 without my written instructions.