davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years  should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2018-12-28
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. (NJ)

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate. 

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors. 

Each inquiry remains unverified because no direct contact to the furnisher was made.
Consumer complaint received 2018-12-28
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. (NJ)

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.
Consumer complaint received 2018-01-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am worried deeply, there are many inaccuracies that are being reported on my credit. I need this fixed as soon aspossible, I am constantly worrying about it and it is very upsetting to me that these inaccuracies are reported without the agencies knowledge of them being one hundred percent correct.
Consumer complaint received 2019-01-05
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: DISCOVER BANK (NY)

Payment XX/XX/2018 of {$2000.00} paid to a law firm. 
Requested to have case put in a Jury trial court. 
after payment was made a agreement of {$500.00} to be paid monthly for a total of {$3500.00}. 
lawyer continued adjuring case until full amount was paid. 
lawyer never brought case to proper court house. 
After last payment was made lawyer relieved himself from case. Refused to bring case to a jury trial. 
Disputed with credit card company and they did not return funds after I requested a refund from lawyer. They state it is non refundable. open a investigation and they did not reverse it. Then I sent in a letter for a re investigation and they did not re investigate it at all. I had asked for proof and they refused.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I closed this account with XXXX and they got so mad that they keep charging for a late fee on XXXX of this year and I called to make sure I paid the hole thing but they told me {$18.00} dollars and few cents but next month they claimed again there was another late fee after I paid the {$22.00} XXXX they claimed was for the late fee then next month they send me another called late fee plus XXXX dollars they claimed I was short of so I paid XXXX XXXX plus XXXX dollars makes {$24.00} XXXX then on XX/XX/2019 I paid XXXX plus XXXX dollars interest now this month they send me another late fee XXXX I called my bank and they advise me to get un touch with you because this bank is fraudulent taking advantages of me I called Comenity bank bit firs they claimed that they never got the payment on time even that I paid in them meddle of the mouth manager XXXX and she did not care she told me that this conversation was going to be recored witch I well come because there is not any purchase since XXXX and the keep pushing a balance but as last time we tried to fix this issue they don't care
Consumer complaint received 2019-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor. 

The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point. 

Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today. 

The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable. 

This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum. 

Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.
Consumer complaint received 2018-12-28
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: SYNCHRONY FINANCIAL (GA)

PayPal Credit charged my credit account {$69.00} for a 1 year subscription to XXXX XXXX that I did not approve. 

I did not receive the 1 year subscription. I contacted XXXX to request my paid for subscription or a refund. I did not receive either. 

Several email to PayPal and XXXX resulted in no action from them. They sent a standard email reply that the complaint was resolved. It was not. I then sent, via certified mail, a formal dispute of the charge to PayPal on XX/XX/2018. I have received no resolution to the problem.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo overdraft fees are ridiculous, no matter how fast I transfer money before the deadline that they gave me they still are overcharging me a {$35.00} fee. My overdraft fee jumped from {$91.00} to {$200.00} In a matter of minutes and the explanation given made absolutely no sense. I complained about them before and it got better but now it is getting worse. I am truly tired of trying to keep up with their fees an now I need your help. This happened today XXXX XXXX. I have talked to many reps with no resolution. Please help.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information in my file. I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the name, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing the credit inquiries, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


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 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Today on XX/XX/2018, I deposited two checks in the amount of {$1500.00} and some change. I have deposited these checks every two weeks for almost two years and have always been able to have at least some portion of my money. Today my bank account was negative XXXX cents, I deposited the checks and the bank told me Im XXXX out of luck. No money, and the associate from Wells Fargo suggested I write a check and hope whatever bills I have to pay dont cash it until Tuesday. Annoyed by this I tried to close my account, they told me no you can not close your account and you wont have youre money until Tuesday. When asked why they held my check as they have only done one other time when I was negative XXXX cents, they said they werent sure why there was a hold on the account, but when I brought up that it was because I was negative and they wanted to charge me three days of overdraft fees they quickly waived me off the phone. Give me a break.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Checked account on Thursday, XX/XX/XXXX at XXXX, had a positive balance. At XXXX XXXX on the XX/XX/XXXX, received confirmation via email, ( have copy ) that deposit of {$780.00} was made to account. At XXXX XXXX on the XX/XX/XXXX, was notified that my account was overdrawn. ( have copy ) When I contacted B of A, was told that when an account is overdrawn they do not notify you until the next day. I was not told of this before. This also, is not the first time that B of A has done this, they continually change the rules to charge overdraft fees, this is another example. In the past, when I was notified of an overdraft, I was allowed to put cash into the account to cover these overages as long as I did so by XXXX of that day. I see that now they are not giving me that opportunity. I believe they have changed the rules to purposely charge these fees.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (IL)

I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX   MASTERCARD  among others.XXXX  MASTERCARD  investigators established the account was verified accurate and kept active, and refused to correspond with me.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — Store credit 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 (NC)

in XX/XX/XXXX an employee of mine charged almost 20,000.00 to my Lowe 's account without my knowledge or permission. employee was terminated when the charges appeared on my XX/XX/XXXX Lowe 's statement. i called Lowe 's bank, Synchrony Bank, and itemized all of the fraudulent charges. Synchrony then removed all fraudulent charges from my account while they 'investigated '. meanwhile i filed charges in three municipalities against the former employee. after three months Synchrony reapplied ALL the FRAUDULENT charges BACK onto my account. i protested and got the response that the fraudulent charges were mine to deal with since i had given the employee a company credit card. they claim i profited from the fraud in spite of any evidence to the contrary and with police reports to back my statements. getting nowhere with Synchrony i got my lawyer involved in the case. she has tried three times to get Synchrony to respond to her letters and legal requests. in spite of me signing paperwork validating her as my attorney they have yet to reply to her. instead they resent their 'investigation ' report back to ME without any further effort on their part. the former employee has a court date of XX/XX/XXXX to further back my evidence. this is referenced as ; XXXX XXXX XXXX. to add insult to injury i have been paying interest on all fraudulent charges monthly. Synchrony even charges me interest on my purchases each month even though i pay off my new charges every month? PLEASE HELP ME
Consumer complaint received 2018-10-28
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. (MD)

IN XX/XX/2018 I DISPUTE SOME INCORRECT ADDRESS ON MY CREDIT REPORT WITH EQUIFAX AND THEY DELETE THE INCORRECT ADDRESS AND SEND ME A EMAILS THAT THE INCORRECT ADDRESS HAS BEEN REMOVE FROM MY CREDIT FILE AND NOW XX/XX/2018 AND THE INCORRECT ADDRESS REAPPEAR ON MY CREDIT FILE, I ASK THEM TO REMOVE THEM AND THEY REFUSE TO WITHOUT AND EXPLANATION. CAN YOU INVESTIGATE THE MATTER FOR ME AND HAVE THEM REREMOVE THEY INACCURATE ADDRESS FROM MY FILE.
Consumer complaint received 2018-01-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX, IN XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with XXXX XXXX opened in XX/XX/XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and Experian twice.Once by XXXX and once by XXXX XXXX. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called Experian today and they called XXXX while I was on the phone waiting and was told that since XXXX XXXX  sold the loan to XXXX  and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan with XXXX XXXX and if they sold the loan to XXXX then one of these two entities will have to stop reporting. Both entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo used high pressure sales tactics for me to open another Bank Account that I didn't need and that I wasn't planning on using. I opened the account and deposited {$300.00}. I was told that there would be no fees on the account and I could just keep the money there until I planned to use the account. 

This is the second time I've complained about this same issue. I am not getting emails that the account is overdrafted and I've never used the account. Wells Fargo drained the {$300.00} in my account and started charging me fees, for no reason. 

This is blatant theft. 

Account name is under business XXXX, XXXX.
Consumer complaint received 2022-07-10
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX 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