davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

Prior to CoVID-19, our family had a planned trip to XXXX. A purchase we made using our PayPal account was rail/train tickets from XXXX XXXX at the cost of XXXX USD. 

As the CoVID crisis went on and continues to do so, we contacted XXXX XXXX XX/XX/XXXX via email to let them know we were canceling our trip. Their website states the following, " f your travel date is until XX/XX/2020, you can modify your travel date or cancel it with no additional cost with a refund corresponding to the rate that was paid by writing to XXXX. '' On XX/XX/XXXX we received a reply with the following, " Dear Ms. XXXX, Thank you for contacting the Refunds Area of XXXX. Let me inform you that our Commercial Management due to the unfortunate news about the coronavirus has made the decision to reimburse 100 % of the value of your 04 tickets associated to the booking XXXX XXXX. Likewise, we inform you that your refund will be processed directly to the same Paypal account, used in your purchase. This process will take approximately 25 business days from now and at the end of this period, you will be able to verify this information into the statement of your Paypal account. Please also consider that we depend on banks and credit card processes. '' We waited more than 25 business days before trying to contact XXXX XXXX, however since the XX/XX/XXXX email we have received no reply. 

This forced us to take up the matter with PayPal with their dispute a transaction department on XX/XX/XXXX. We filed as " Refund not received ''. We provided PayPal with all the documentation that would support our claim. Yet, on XX/XX/XXXX we received an email that they were siding with XXXX XXXX without any actual details other than " it doesn't match PayPal guidelines of a Billing dispute ''. That's an interesting statement because from our perspective it's a bill we have through PayPal, for a service we purchased with our Paypal account for which we never received and we were promised a refund. There is no way to contact PayPal either to speak to an actual representative at this time. 

CFPB is our last remaining recourse.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (TX)

I contacted the creditor and faxed all info over to their fraud department, I also sent the info to each credit bureaus and XXXX  has deleted the account. XXXX  and XXXX  are giving me a hard time to dispute and remove the account. The creditor US Bank is also giving me a hard time with removing the account after all information has been sent to them directly. They have requested the info and I sent the fraud department exactly what they needed
Consumer complaint received 2023-01-13
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2020-06-10
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: Experian Information Solutions Inc. (IL)

Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Consumer complaint received 2020-06-10
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. (IL)

Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Consumer complaint received 2019-12-31
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. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got notices that my credit score had gone down, which doesn't make sense as I am paying on time with all of my accounts. I realized that on inspecting my credit reports that there were a couple of bank accounts made using my name and information that I did not open. 2 Bank of America accounts and one XXXX account.
Consumer complaint received 2022-10-04
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: WELLS FARGO & COMPANY (MN)

Wells Fargo XXXX XXXX XXXX XXXX ID # XXXX {$350.00} XXXX XXXX Charges Unauthorized due to Immediate Cancelation after sign up XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$29.00} XXXX XXXX claimed to credit XXXX Wells Fargo Credits Additional months not shown in the above charges XXXX {$24.00} Dispute ID # XXXX XX/XX/XXXX {$24.00} Dispute ID # XXXX XXXX {$59.00} Dispute ID # XXXX Total Credits {$100.00} These month charges not included in above months charges This company conducts fraudulent business practices as displayed by attached law suit, XXXX XXXX XXXX Complaints, and XXXX XXXX XXXX, with multiple other complaint companies not included in the attachments, as too many to include. 


NOTE : The files are difficult to open and may require Open in Viewer and then wait for scanning to complete to open. Files are critical to open so attempts of various means recommended.. 


I canceled immediately after sign up in XX/XX/XXXX, as I began to read the fraud of XXXX XXXX. They refused to cancel and continued billing my account monthly. I contacted Wells Fargo several times to file a dispute to unauthorized charging continuing on my account with the merchant refusing to stop. There was no contract. I asked Wells Fargo to block the merchant which they failed to handle as well. Finally, after a year Wells Fargo disputed it and sent back the last three charges as unauthorized charges. When Wells Fargo finally entered the dispute over a year later, they only credited the last three months ( shown above ). 
I filed cases with the Executive Office, but to no avail. This is Wells Fargo 's responsibility as they failed to stop the charges, block the merchant to stop future charges and file a timely dispute when brought to their attention that they needed to help this matter and to credit the account early on for unauthorized charges
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (IL)

Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks.

I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$23000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$31000.00}
Consumer complaint received 2022-10-05
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. (OR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (MD)

My computer was hacked and a transaction was attempted from a service by the name of Xoom. I dont have a Xoom account but they are associated with XXXX XXXX. I was notified of a potential fraudulent. Payment in my name. I responded to the email immediately and told the fraud dept of Xoom that I did not have an account, I did not make a transfer, and I know no one in XXXX. They assured me the transaction would be stopped and no further harm would take place. Now I am being harnessed by Xoom collections for charges that dont belong to me. I sent all of the documentation backing up everything I said. They said the payment matched my previous history. What previous history I asked. I do not have a Xoom account and have never sent money to XXXX. They persist I. Harassing me via emails and phone calls.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I made {$650.00} online purchase on XXXX for an XXXX in XXXX ( posted on XX/XX/2020 ), which I think is entitled to 10 % credit as advertised, but I did not get it. I tried to message the customer service and got the reply on XX/XX/2020 as follows, " Our records indicate that the purchase of {$650.00} on XX/XX/2020 ( XXXX/XXXX ) did not qualify as an online purchase. 

Our records indicate that you did not make any qualifying purchase for the below offer during XX/XX/2020 - XX/XX/2020, therefore no credit was awarded for XXXX and you did meet the minimum threshold ( {$610.00} and {$610.00} ) of the promotion during XX/XX/2020 - XX/XX/2020 and XX/XX/2020 - XX/XX/2020, therefore {$60.00} and {$60.00} credits were awarded for the below offer for XXXX and XXXX. 

Offer : You can earn 10 % back in statement credit up to a total of {$60.00} each month for total eligible ONLINE purchases that are made each month to your Sears Mastercard and from XX/XX/2020 and XX/XX/2020. '' It is weird that they think my online purchase of XXXX on XXXX is not an online purchase. If this is not an online purchase, I don't know what is an online purchase? What is the definition of online purchase? 

For clarity I have attached my invoice of the purchase for your reference.
Consumer complaint received 2019-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In, XX/XX/2012 I was behind on my mortgage then I found OHSI. They were helping me become current and reinstate my loan. I called the servicer multiple times for help and they denied me loan and they are required to follow rules they went against those rules and forced me into foreclosure. This was after they accepted the first part of the program in the form of payments. They dual tracked the loan twice and they did not send modification documents timely so I could accept the offer after I had made the trial payments successfully. 
Then when in litigation my attorney who did not defend me accurately I was told to retain by the judge had taken my discovery documents and kept them until 4 months after the trial. This made it so I could not argue anything at trial. He did not bring up my defenses at trial I had given him. They allowed a color copy of the note to be passed as the original signed note so that the bank would have standing. This is fraud in the biggest way and our banks are perpetrating it. The courts are just bending over too. 
Now I know if I was to create a document and use it in court I would be thrown in jail. But not the banks. 

I am tracking down the original note and I am going to find it will this prove that the document the bank is using if a forgery color copy. They have paid off some people or something. The crime here is unbelievable. And they are allowed to get away with it. i would not believe it if it was not happening to me. I was raised to trust these people they are robbing us blind. 

I now have filed a motion for a new trial only I can not afford an attorney I have to defend myself. I am XXXX and this is not easy for me to do. 

I can not believe they are allowing the banks just to go against the very grain of the law and take my homestead from me. I did what it took to reinstate and make right on a loan they did not even fund. They are only the servicer acting like they have standing. To use a fraudulent document as standing only shows me they have no standing. Why dont the police go arrest them for possession of a forged document. They would me. 

This is not fair in anyway because they are taking the only thing I worked hard for and not even fairly. I did not just sit and stay for free they delayed until the arrears made it so I could do nothing. Please help me. This has caused me XXXX and illness and I worked hard for what I have. Can they really take my home by way of fraudulent documents. I received a document that said the note holder was recontrust not the servicer and then the document disappeared. I have included the documents I downloaded before it disappeared. 

And when I brought up the fact that there are three different settlement statements from closing something is wrong. My loan that was never funded by the servicer is full of fraud and lies. There are two sets of closing documents even. I have attached the settlement statements and then one from the title company that they sent me.
Consumer complaint received 2019-12-31
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. (MO)

Trans Union, XXXX and XXXX have all been sent legal documents about a collection account on my credit report from a XXXX XXXX agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MI)

XXXXCS CREDIT COLLECTION SERVICES AT XXXX XXXX XXXX, XXXX, MA HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$680.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT .....