davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I had an invoice for {$3100.00} presented to me for services rendered at a XXXX dealership. The service department said that I could apply for a XXXX XXXX XXXX Credit Card offered by Synchrony Bank and get a promotional offer of no interest on the balance if paid within 12 months of the date of purchase. I agreed and was approved for the issuance of the credit card. ( Statement attached with statement closing date of XX/XX/XXXX showing XX/XX/XXXX transaction. ) The next statement ( closing date XX/XX/XXXX - attached ) listed a transaction summary that included a promotion correction charge dated XX/XX/XXXX ( prior to the original transaction ) of {$1100.00}, a promotion correction charge dated XX/XX/XXXX of {$3100.00}, and on XX/XX/XXXX an adjustment credit to my account of {$3100.00}. 

In XX/XX/XXXX I contacted Synchrony Bank using the customer service phone number and spoke with a XXXX who transferred me to a supervisor named XXXX. He said that he would have the {$1100.00} promotion correction removed and it should take no more than a month. 

What ensued for most of the next XXXX months was a series of phone calls from me to Synchrony Bank speaking with various customer service representatives and their supervisors attempting to resolve this issue. Twice on XXXX different statements ( statement closing date XX/XX/XXXX and statement closing date XX/XX/XXXX - both attached ) credit adjustments were made to the account in the amount of {$1100.00}. Both times a promotion correction charge was added back to the account in the amount of {$1100.00}. 

The statement closing date XX/XX/XXXX also added on XX/XX/XXXX interest charge on purchases of {$360.00}. This resulted in a new balance of {$1500.00}. In order to protect my credit score, on XX/XX/XXXX I paid the new balance of {$1500.00} leaving a zero balance. 

In XX/XX/XXXX I also submitted to Synchrony Bank their written dispute form outlining the events as described above ( attached ). 

The initial purchase amount of {$3100.00} was paid prior to XX/XX/XXXX with the final payment of {$360.00} made on XX/XX/XXXX ( as shown on statement closing date XX/XX/XXXX ).
Consumer complaint received 2019-11-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  IS REPORTING AN ACCOUNT FROM BANK OF AMERICA ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX 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 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 the following information items. 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 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Consumer complaint received 2022-12-17
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. (IL)

I submitted a letter to the 3 Credit Bureaus on XXXX  to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-02-22
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. (CA)

XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX5 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 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX has been removed as the file is not mine. XXXX and Trans union have failed to investigate and fix the issue and have also failed to update the account to relevant information. Both companies are on there 10th dispute with failures to resolve issues
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (ME)

Monterey collection services continues and refuses to admit the fraud They are committing as well as the violation of the fair credit reporting act and the fair debt collecting practices, when I summited a complaint about fraud and violations for not sending me a 30 day notice they know it a violation and all debt collectors lie about sending them, I have now have multiple items of evidence of fraud on there part now, 1. They are trying to state that the email address they say is on file for me is mine, thats a huge wrong the email address they state is mine has never been associated with me ever, 2. Proof of them deleting my original account off of my credit report when payments had been made to original creditor that were magically deleted and reset as well as improper balance and extra charges than what my account balance was at before they deleted it, proof is fraud they deleted the original account and reset the balance and raised it= theft were did the money they received go? Answer THEFT TAKE MONET APPLY TO BALANCE THAN RESET ACCOUNT WITH FRAUDULENT INFORMATION AND THEFT OF TAKING MONEY AND NOT SHOWING IT PROPERLY ADDING EXTRA CHARGES AND HAVING ORIGINAL BALANCE RAISED AS WELL AS DENYING THEY NEVER SENT ME A 30 DAY NOTICE AND ADMITTEDLY DENYING THEY NEVER DID WHEN I QUESTIONED IT, DELETING THE ORIGINAL ACCOUNT NOT CHARGING OFF TO DELETE XXXX REPORT FALSE DATES, 3. PUTTING STATMENTS ON MY CREDIT REPORT STATING I SAID IT WAS ACCURATE WHEN I NEVER SAID XXXX, 4. TRYING TO STATE THAT THERE XXXX MEETS THE FCRA REQUIRED REPORTING, IF IT MEETS THE REQUIREMENTS OF NOT VIOLATING THE FAIR CREDIT REPORTING ACT EXPLAIN HOW DELETING THE ORIGINAL ACCOUNT AND KEEPING THE MONEY I MADE PAYMENTS ON WAS MAGICALLY DELETED AND NOT REPORTED ANYMORE AND DATES WERE DELETED TO COVER IT UP AS WELL AS THAT IS THEFT TAKING MONEY AND DELETING THE ORIGINAL ACCOUNT AND REMOVING THE PAYMENTS THAT WERE MADE YET YOU KEPT THAT MONEY VIOLATING THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTING PRACTICES BY PUTTING THE ACCOUNT BACK UP WITH NO PROPER NOTICE AND LISTING EMAIL ADDRESS AS MINE I HAVE NEVER HEARD OF, NOT SURE WHAT XXXX GAME YOUR PLAYING, BUT THANKS TO BEING OUT OF WORK CAUSE OF COVID-19 GAVE ME LOTS OF TIME TO RESEARCH AND FIND MY EVIDENCE AGAINST YOU, YOU BASICALLY SAID ON MY LAST COMPLAINT I HAVE NOTHING TO SUE FOR, WELL THINK AGAIN NOE THAT I FOUND ALL MY ORIGINAL PAPERWORK AS WELL AS PROOF OF FRAUD AND THEFT BY DELETING MY ORIGINAL ACCOUNT AS WELL AS PAYMENTS MADE AND NOT REPORTING THOSE PAYMENTS ANYMORE YET KEEPING THE MONEY= THEFT!! ONLY UPLOADING A FEW PHOTO DOCUMENTS HAVE LOTS MORE!!
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to COVID. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by Hurricane Harvey and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are inaccurate.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (FL)

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the XXXX and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen. 

I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support. 

Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts. 

I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (KS)

XXXX XXXX XXXX XXXX claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

This all seems to stem from a problem with a recurring buy of XXXX that happened in XXXX. 

XXXX XXXX my phone was stolen and I took the necessary steps to secure my banking and investment accounts. At that time the recurring buy at Coinbase tried to go thru but it was rejected by my bank. There was plenty of money both in my bank and coinbase but that seems to have created a situation where coinbase removed my bank account from being used for future purchases. I was never notified. I contacted Coinbase thru their AWFUL customer service in early XXXX and they said my account was under review and they required identification verification which I did and to wait 30 days. 

I believed the issue was resolved since the funds were covered for the XXXX recurring buy and my bank account security hold was lifted. When I contacted Coinbase in XXXX I noticed a recurring buy was attempted again but since they had removed/unlinked my bank account the transaction failed. I could not believe they had removed my payment method but not my recurring buy!! What did they think was going to happen since I had not been notified. At that time, I cancelled my recurring buy and contacted the XXXX customer support and again was told my account was under review for 30 days. I begged for them to tell me what I needed to do to have my account back to normal. Needless to say XXXX is up almost 50 % since then and I could not participate because of this situation. 

So I waited 30 days and contacted customer support again beginning of XXXX thru the chat feature and after waiting AN HOUR AND A HALF finally was able to chat with somebody who was not helpful. Told me the same thing the previous 7 or 8 people I have spoken with which is, the case will be forwarded to a team for review and after begging the individual to please connect me with a supervisor he disconnected the chat. Curious enough I didn't even get a case number as I had in the past. It has been close to 90 days and I have been unable to buy anything just sell and withdraw funds. I do not wish to. close the account. since I have been a customer for 10 YEARS. 

The below are the different case numbers from Coinbase that I have had. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX At this point I don't know what to do and the company offers zero guidance. I have reached out thru XXXX  visited their help center ( useless ) countless times and reached out to the company. thru phone and chat. This is my last attempt and if this doesn't resolve the issue I will be left with no choice than to liquidate my account, cause a tax issue and remove my funds. 

Thank you.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Charge Off : AXXXX XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2022-05-23
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: EQUIFAX, 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