davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). This account below has infringed my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

When trying to open up any bank account, my XXXX XXXX 's profile states that I had an account with Bank of America, even though this account states that it is paid off, I have no knowledge nor have I had an account with Bank of America. I am requesting that this information be removed from my XXXX XXXX profile.
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXXXXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 instruction
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Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NJ)

Date of XXXX XXXX XXXX My Barclays XXXX was charged by a hotel in error in the amount {$1000.00} who have refunded the money back on to my card and Barclays have yet to credit back to my account. I have reached out on numerous occasions to the customer service and have gotten nowhere. From the look of these reviews, it seems to be an ongoing issue. XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (MI)

The following unauthorized inquiries are being reported on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-02
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. (MN)

I am a natural person, I am a living human being, I have rights under 15 USC 16681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90   days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, XXXX income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

I applied for a credit card with Amazon.com. I received the credit card in the mail but never activated it. Someone fraudulently opened the account and charged some movies months ago. Amazon acknowledged the fraud and zeroed out the balance then closed the account, at my request. As far as I know, the account is closed. I keep receiving emails and I just got a statement in the mail with a balance. Ive attempted numerous times to resolve this over the phone and it has taken hours but its still an issue. I had a different Synchrony account when I purchased furniture to furnish part of my house and didnt have issues with them then. It appears their customer service has taken a turn since then. They claim I have a balance ( {$33.00} ), but I respectfully disagree. I called last month and asked if this would adversely affect my credit and was told no. I was told that their fraud investigation could take up to 90 days if memory serves. Im not sure when they opened it but the fraud took place at least 2 months ago. This is all very disappointing and frustrating. I plan on attempting to also file complaints with the CFPB and the attorney general.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Hired a company from XXXX to build a app. 

designs insight, inc. went to website had great reviews had a 100 % money back guarantee contract if not happy. 
wired them XXXX to build the app, had communication on line, phone and text with XXXX main people from designs insight after 6 months of no real progress they they starting asking for more money, I also paid them XXXX for trademark that was refunded by the credit card company agreed it was fraud. they stopped answering my calls and said the my account manager was fired. I said I would send more money to see what account should i use, i was not going to send it but wanted to see what they would say they gave me new wire info and a new company XXXX, XXXX. 
then they have XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
I filed a complaint with CFPB # XXXX I found out they are a bank of america XXXXustomer just like me of 20 years went into office, with my binder. 
met with XXXX XXXX, he agreed this was large fraud, people had multiple accounts with lots of wire transfers coming in daily, and the name they used was not real, I said he would send all my paperwork to the fraud dept and was very surprised this was not on the banks radar. I NEVER was contacted by the fraud department. I just want the XXXX p [ ut back in the account it came from. They are in the US. 
They are good and need stopped ... and people need their money back. 
No wonder they keep scamming people we dont do anything to them. 
please help me get my money back, that XXXX was a investment in to my future company. I know banks have insurance etc for this stuff they need to help their customers epically if another one of their customers in the issue No question its FRAUD>>>. I should the money wired back ..... 

XXXX XXXX XXXX XXXX is with XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (MS)

Date : XX/XX/2022 Lender : Nations Lending Corporation Borrower ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Co-Borrower : Loan Originator : XXXX XXXX XXXX Loan Number : XXXX License # : XXXX Property Address : XXXXXXXX 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, Per our discussion, we have locked the interest rate on your loan for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The rate we have locked for your loan is XXXX  %. Enclosed are a XXXX XXXX, XXXX and Points Form, and any other related documents. Please take a moment to review each of these documents. Should you have any questions regarding any of these documents, please contact me as soon as possible at XXXX or by email at XXXX. Sincerely, XXXX XXXX XXXX Produce your VA XXXX records and formal documentation from the Department of Veteran Affairs stating the such property is not qualified or certified for a VA XXXX. 

The Department of Veteran Affairs needs your records now and upon your response to this CFPB complaint on this forum and not some misleading response. You have the records of such communication stated and listed above. Now you too should have the Department of Veteran Affairs ' record to support why this loan did not close as a VA XXXX on XX/XX/2022. 


RECORDS and PROPER RECORDS is only a fair resolution to this issue, not just some response without any PROPER RECORDS attached. You had from XX/XX/2022- XX/XX/2022. 

You should have in your records or response the following records they are : VA XXXX XXXX and VA XXXX to any inquiry in nature to your loan application. There is a loan application and a VA XXXX Process that you should have these records. 

You should have my military record such as my XXXX correctly and properly sign off on by my commander of records. 

You should have a formal notice or letter as to why you denied this loan. 

All these records are PROPER and are needed and you can not say that you don't have your agency name in my file or records or you don't have my name, date of birth, and social security number in your system. Having all such means that you must produce ALL THE PROPER RECORDS to support any statement or record you have or want to say or state or claim. 

You have had well over enough time to produce these records. Now please produce such in your response to this complaint.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (VA)

On or about XX/XX/XXXXXXXX the Law Firm of XXXXXXXX issued a payment to my PayPal account in the amount of {$130.00} for my portion of a class action settlement against XXXX XXXX XXXX PayPal, though its servicing bank, Synchrony Bank, misapplied the payment and refused to make the necessary adjustment to apply the payment to its rightful location my account. I filed a dispute with PayPal/Synchrony ( PayPal ) which went nowhere for several weeks. 
After XXXX months, PayPal finally processed the refund, only to reverse it without justification on XX/XX/XXXX. 
This is not the first issue I have had with Synchrony Bank. Refer to CFPB Case No. XXXX XXXX in which Synchrony erroneously posted a hard inquiry to my XXXX credit profile, causing an erosion to my credit score, subsequently acknowledged this error yet refused to remove the inquiry.

There is a SERIOUS issue with Synchrony Banks accounting/controls and I am being victimized as a direct consequence.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (TN)

On XX/XX/XXXX I received a letter from XXXX XXXX, Collections Manager of Cardmember Service at USBank, ( XXXX XXXX XXXX for my defaulted business credit card ending in XXXX XXXX XXXX XXXX ) stating that the bank exercised their " right of offset '' by charging my USBank personal banking account ending in XXXX, for {$900.00} on XXXX  and that they would not be responsible for any overdrafts that might occur due to this offset. This action put me into overdraft and has caused me financial distress, I'm a stay at home mom and am not employed. I called the above number and spoke with XXXX XXXX XXXX, and then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX today ) to be refunded the money. I told them that it is in violation of the Federal Law 1026.12 ( c ) ( 3 ) ( ii ) ( B ) Federal Reserve Board Regulation Z, Section 226.12 ( d ), which prohibits financial institutions from applying " right of offset '' to credit card debit. They said it doesn't matter because it was part of the cardmember agreement to let them have the " right of offset. '' They said they would put in my request but that they normally only refund 25 % of the amount, and they send it in a check form which does nothing for my overdrafted account today. It is very frustrating to feel like there is no recourse for their actions.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express extreme dissatisfaction regarding your failure to remove fraudulent accounts from my credit report. I demand the immediate deletion of these fraudulent accounts from my credit report. Despite previous complaints, discrepancies persist, specifically with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$1100.00} AXXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00} XXXX XXXX XXXX  : {$2600.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK (IL)

My home loan was refinanced by this company XXXX XXXX XXXX XXXX in 1998 unbeknownst to myself and my wife. This company refinanced our home for {$52000.00} for what because we never saw a XXXX of the money.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2017-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.