davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (NJ)

Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXXXXXX  To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (OR)

Under 15 usc 1666b this is a billing error always paid on time this is an error which makes this account in violation.Also under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2022-12-26
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. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (TX)

I do not know where to turn. I had a mechanic destroy my vehicle after I paid for him to repair my car. Not only did he do more mechanical damage but he did alot of exterior damage as well. Since I have a loan on this vehicle I have to keep full coverage insurance on my car. My car insurance is refusing to pay the total loss claim because I do not have exact date the damage occurred. This is a total cop out. I have proof of not only the conversation with the shop owner admitting his mechanic cut up my wiring harness and misplaced parts and bolts but I have pictures of when the vehicle was first dropped off as well as the shop owner posing in front of my car for a XXXX XXXX for the XXXX of XXXX XXXX I still owe on the car and I can't pay for a total loss on a car. This is over a {$15000.00} loss and I have been just diagnosed with XXXX XXXX XXXXXXXX XXXX. I do not have a dependable vehicle now because mine was destroyed. This will ruin me financially and I can't seem to find anyone that will help me. I can provide you with all my documentation if needed. I did everything I was supposed to but will be the only one that takes this financial loss. It is amazing you HAVE to have full coverage insurance in order to have a car loan but they can just destroy a person and deny the claim over some bs reason. Please help. My insurance is XXXX. This is especially hard since I was rebuilding my credit and almost had to vehicle paid for.
Consumer complaint received 2022-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

We were in a forebarance with previous servicer and finishing up paperwork for a partial payment claim when transferred to Carrington Mortgage. They took forever to get paperwork then took us out forbearnace without knowing and reported us late to credit bureau. I would like the late payments take off we were not late.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank inherited my account from MB Financial Bank. 
They have had my accounts for over a year. A few months ago they started charging me fees that were not being charged by MB Financua Bank. They didn't have my permission, nor were they able to explain exactly how the fees were applied, just said due to my EFTs. They credited me several times and have changed my account to a {$35.00} a month fee which was supposed to stop any additional fees. This was promissed 3 months ago, yet I receive new fees evry month.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I've been having problems with my account started this year. I was informed that I will not be receiving fees to the account because it will decline it but for some reason this year I've been getting charge overdraft fees a lot. I spoke to many people informing them that the banker who opened my account didn't disclose that I wont be charge any fees. I spoke to many people and all they did was refund the fee but no one help about avoiding the fees and to help me stop getting charge these fees. 

I spoke to a XXXX case # XXXX I specifically told him that I want my card to declined if I don't have enough money and I spoke to him on XX/XX/2019 because he told me he can't reverse any fees and he didn't even assist me with that. I still continue to get charge fees and I want it to stop. I have been lied to and the bank is not doing anything about it. I want all my overdraft fees refunded and want them to decline my debit card if the funds are not there.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had a check stolen from the blue mail box in front of the post office. They whitewashed it and changed the receiver from XXXX and a {$16.00} check to a XXXX XXXX for {$1600.00}. It was than cashed at a XXXX XXXX credit union on XX/XX/XXXX. 
I filed a claim with Citizens Bank. I filed a claim with the XXXX, MI police department. I filed a claim the Post Office. It is soon to be XX/XX/XXXX and I still dont have my money back. 
I speaking with the police, I understand this happens a lot these days. How sad. I have learned to walk into the Post Office and mail checks inside. I also learned to use INDELIBLE ink when writing out checks so they can not be whitewashed.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (GA)

On XX/XX/2020, I tried to re-link my PNC bank account to XXXX, a money saving service. I got a message that PNC has blocked accounts from being able to connect to XXXX. I have saved with XXXX  for years and am very upset that pnc would block what I can do with MY own bank account.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE SPOKEN NUMOROUS TIMES WITH EXPERIAN ABOUT THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX BEING INCORRECT AND THE SIX ACCOUNTS REPORTING THIS ADDRESS. I HAVE NEVER LIVED AT THIS ADDRESS NOR ANYWHERE NEAR IT. WHEN I MOVED FROM XXXX TO XXXX I PURCHASED MY HOME LOCATED AT XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. THIS INFORMATION HAS BEEN REPORTING ON MY CREDIT REPORT FOR SOME TIME NOW AND ALTHOUGH THEY HAVE BEEN TOLD THIS THEY REFUSE TO REMOVE THE ADDRESS NAD THE CREDITOR ACCOUNTS ATTACHED TO IT. THEY SAY THEY CAN NOT REMOVE IT. MIND YOU BOTH XXXX AND XXXX HAVE REMOVED THIS ADDRESS AS THEY HAVE FOUND IT TO BE FRAUDULANT. I HAVE EVEN FILED A REPORT WITH THE FEDERAL TRADE COMMISSION ABOUT THIS ADDRESS AND EXPERIAN WAS ALSO GIVEN THAT REPORT NUMBER TO CONFIRM MY REPORT FILED YET THEY CONTINUE TO REPORT FRADULANT INFORMATION.
Consumer complaint received 2020-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OR)

I am going to state very clearly exactly what happened. I hired a realtor when I understood I would lose my home and equity in the foreclosure. My agent worked hard and we found a buyer. We called Quicken loans and got them on board with the sale of the home. They agreed to it and were kept apprised through addendum 's and other legal binding documents including the appraisal that was financed by my buyer that the sale was moving forward. The buyers lender wanted some small repairs done but agreed to the loan however needed an additional week as they were going to send the appraiser back out to make sure the repairs were done. I payed for the minor repairs myself out of pocket, living off small amounts of income through self employment and survivor benefits for myself and XXXX  small children. With my husband passing a year and a half ago had left us in financial straits. The escrow officer as the loan was already with the title company and transfer payoffs were going forward had called on my behalf as well as my agent calling and sending addendums on the XX/XX/XXXX to request/inform Quicken Loans Account Resolution Team that it would be one week before closing and signing. I was selling my home for above and beyond what I owed my lender and had another home ready to purchase with another party worked out using the monies left. My mortgage company QuickNLoans told the Escrow Officer that they had pulled my home from Auction that XX/XX/XXXX date. Fifteen minutes later it was Auctioned. I have spoken to Qucken Loans as has my agent to resolve the issue. In my state the trustee has ten days to reverse the sale. I am being left homeless and penny less.
Consumer complaint received 2020-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (GA)

I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and  explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). 

On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. 

Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I made a {$4500.00} payment to my XXXX XXXX Master Card, issued by Synchrony Bank. This payment was made via the internet. The disclaimer I received at that time stated that the payment may take 24 to 48 hours to process, no other warning.

On XX/XX/XXXX I attempted to use my card and it was declined. I kept checking my account, as I was then on vacation and needed to use the credit card.

I checked my checking account and the money had been removed from my account on XX/XX/XXXX and that Synchrony Bank had received the money on XX/XX/XXXX, but had not yet credited my account.

On XX/XX/XXXX I called Synchrony bank and was told that indeed they had received my payment but that the credit had not been applied to my card yet and would not for up to 2 business weeks because it was considered a large payment. I was told that this information was in my account terms and conditions. I explained that I needed to use this card for my upcoming vacation and was told that nothing could be done.

I searched in my terms and conditions and was not able any statement referring to " large payments '' or special handling of such. There was nothing stated about extensive delays in crediting payments.

I called Synchrony Bank again on XX/XX/XXXX and was told that I might be " kiting a payment '', even though the money had been withdrawn from my account and credited to theirs for 7 days by that time.

I also charged a vacation for my son on that card specifically because they were offering a rebate on vacation charges. It was in total a {$5000.00} trip but when I enquired about the rebate I was told it was illegible for some strange reason.

I have never had this experience with any other credit card company, and have made similar large payments to them.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, XXXX never responded. XXXX came to my residence and offered XXXX phones in exchange for trading in my XXXX XXXX that I already owned. The price that XXXX XXXX XXXX presented was not the price that was discussed. I returned the XXXX XXXX and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX XXXX XXXX was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX XXXX XXXX for a dollar less for {$1300.00} by a different company by the name of AFNI, INC. their address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX and phone number is XXXX XXXX XXXX XXXX. Debt is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is 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: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

XX/XX/2024 - XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to XXXX, using my name, SS no. with a XXXX address. I said, No I did not create any XXXX credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to XXXX XXXX XXXXXXXX Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with XXXX XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to XXXX, with the Georgia address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, Citicard. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on discover and Citicard to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but XXXX consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as XXXX, or other bank. I said no. That's when I challenge him that you closed the application for XXXX, and now you're giving an example to move my Citicard balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real XXXX agent or not. He talked to me fr more than XXXX minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from Illinois he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

XXXX XXXX