davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (AL)

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXX 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 2022-04-14
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. (MD)

On XX/XX/XXXX XXXX contacted Equifax about the following negative accounts ; XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/2019, Balance : {$15000.00} )XXXX XXXX  ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was scammed and sent a total of {$4000.00} through XXXX ( {$1500.00} ) & XXXX ( {$2500.00} ) to a scammer who lead me to believe he was the owner of the house I wanted to rent. This happened in late XXXX of 2022. 

I called my bank to see if they could get the funds back since it was a scam and they said no. XXXX & XXXX were also no help in getting my money back. They investigated the scam and never got my money back or updated me on their findings. 

It would be great to get this money back. This person who scammed me created a receipt for my deposit as well as a lease for me to sign. It turned out that he did not own the house and had no right to lease it to anyone.
Consumer complaint received 2022-02-23
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. (MI)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-04-01
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Experian Information Solutions Inc. (FL)

My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report.
Consumer complaint received 2022-04-14
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

Their written opinion of XX/XX/XXXX : " Our research indicates that claim XXXX was initiated on XX/XX/XXXX for the {$200000.00} online cash advance processed on XX/XX/XXXX. This claim was denied on XX/XX/XXXX, as the investigation shows the advance was made through a secure online banking session by you or someone who had your authority. We have enclosed a copy of the letter dated XX/XX/XXXX which explains the outcome of your fraud claim, for your review. '' Their letter of XX/XX/XXXX : " We've finished researching your fraud claim regarding online advance totaling {$2000.00} on your account ending in XXXX. Our research shows the advance was made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the advance was authorized. We have closed your claim. 
Claims Assistance Center, Online Fraud Claims '' Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

This balance from SELECT PORTFOLIO SVCIN XXXX was paid to the company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please prevent this item from reporting.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (FL)

Hello, Debt Recovery Solutions has been harassing me on and off for over seven years.

They stop for a while and then pick up where they left off 3,6,9 months later. 
Is this legal? Can something be done about this? 
Thank You
Consumer complaint received 2017-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 180 days past due as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.
Consumer complaint received 2022-04-14
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXXr account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

bank of america allowed company to let charges go on my dept card tried telling them to take ff the minus XXXX off my now its minus XXXX bank will not listen to me. they are XXXX XXXX my account and doing nothing about it. i will hire a lawyer. bank of anmerivca is a rip off XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
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: CITIBANK, N.A. (MT)

This is a complaint against XXXX American Express card. Following is the email that I sent to XXXX : After a few returns that have been made, I was asked by XXXX to pay a bill of {$130.00}. Out of this amount I was liable to pay {$14.00} which I did. Im not responsible to pay the remaining amount which include late fee of {$27.00} in XXXX and {$37.00} + {$4.00} interest charges after making the payment of {$30.00} in XXXX. Again, I was charge {$4.00} interest charge and then {$27.00} late fee + {$3.00} interest charges after making the payment of {$71.00}. I fail to understand why I was charged late fees/interest charges when I already made the payment of {$30.00} and {$71.00}? So please remove all the late fees/interest charges and Id really appreciate your honesty. 
Also, as mentioned earlier there are 2-XXXX XXXX transactions for {$12.00} each in XXXX and XXXX. I have disputed it many times since I dont authorize this transaction. Please remove that as well. 
Thank you! 
Following is the response from XXXX : Response By Email ( XXXX XXXX XXXX ) ( XX/XX/2018 XXXXXXXX XXXX ) Dear XXXX XXXX, Thank you for taking the time to contact us about your XXXXXXXX XXXX account. I appreciate the opportunity to respond to your inquiry and address your concerns. 

I certainly understand your request about the late fee, interest charge and the dispute transactions on your account. And I will do my best. 

For protection against identity theft, we can not alter or discuss any account information as this is non secure. 

For further assistance with your requests, please contact us at the number referenced below. You may also send a secure message online. 

Please read this email carefully. I hope you resolve this issue asap.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My wallet was stolen with my ID, ss-card, bank card, cash, and more person information. The wallet was sent back to me from XXXX Florida with only the ID and bank cards. I went to the bank and cancel the cards and got replacement. I started receiving calls about collecting a debt ; I thought it was a scam call so I never took it into consideration that it was real. Then I seen on my credit that another capital one card was open and using my address and information. I contact the Credit bureaus and file a dispute and contact capital one and told them my identity was stolen back in XX/XX/XXXX and that I never open the account and they didnt cancel the account they told me to send them the documents I have when I filed the police report and I sent it and they still havent did anything about it. My credit have been effect bad because of the account they have on my account. I even sent them proof that I was working at the time and that I travel for work and I been working since XX/XX/XXXX to XX/XX/XXXX. Can someone please help immediately because Im trying to start a business and I cant with bad credit.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX/XXXX/19 I called XXXX to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on XXXX. 

I then called synchrony bank to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

1 ). XXXX XXXX ACCOUNT The amount reporting is {$3600.00} The accurate amount is {$3600.00} 2 ). Synchrony Bank / Care-Credit The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that XXXX return my score to its exceptional credit rating and rectify theses errors.
Consumer complaint received 2022-02-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I applied for a mortgage loan through Navy federal, to see how their rates stacked up against my current lender, XXXX XXXX. XXXX XXXX was assigned as my loan officer and we began to move through the process. Rates were rising so XXXX XXXX  said it may be worth looking at locking the rate. My builder provided a {$3500.00} credit for using XXXX as a lender but I wanted to see how the rates compared with NFCU still. 
On XX/XX/2022 I was provide a rate lock quote from XXXX XXXX, Navy Federal Credit Union. The rate lock was for a new construction VA loan, and was quoted at {$570.00} to lock the rate for 120 days. I confirmed with XXXX that the cost to lock that rate for 120 days was only {$570.00}, she confirmed, so I asked her to proceed with the lock. At this point the rate was slightly cheaper to go with NFCU, even with the {$3500.00} lender credit from XXXX. After she locked the rate and presented me with my new loan estimate, I noticed that the cost of the rate lock had doubled, and she also added an origination fee of {$2200.00}. 
I immediately reached out to XXXX and asked her about these cost increase and requested that NFCU honor what I was quoted. After multiple attempts to call and email her, she finally responded and said that she had fixed it. The new loan estimate came back and the rate lock fee was reduce to the {$570.00} but the {$2200.00} origination fee was still on there. I reached out to here multiple times again with no response and finally had to call NFCU. I spoke with her supervisor XXXX XXXX and she said that she was submitting to the pricing desk and would get back with me ASAP. I never heard back from her and then a week later XXXX emails me and says that she disclosed the origination fee when she quoted me, which is completely false and I have the emails to prove it. It has been almost a month of me trying to get this fixed and there is still no resolution. They are requesting loan documents from XXXX XXXX, which I no longer have access to since I dropped them as a lender, in order to match the rate. I am not asking for any type of rate match or lender credit match. I am asking that Navy Federal honor the rate that I was quoted and not stick with me and extra {$2200.00} in closing costs for an error that was made by their loan officer.

I would like for this complaint to be escalated and known to NFCU, in hopes that they can help remedy the situation. In all other aspects of banking I have had no issues with them, but this latest loan process has been an absolute disaster.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX and PREFERRED LEASE XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This is identity theft. They stole & furnished my information without written consent.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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.
Consumer complaint received 2022-04-14
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)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AZ)

Bridgecrest allows their borrowers to request an extension on a payment, but they are discriminating against me and not allowing me to request this. 

They are adding unnecessary steps advising me that my account must be delinquent before I'm allowed to request a forbearance. I feel they are doing this intentionally in order to discriminate against certain borrowers. 

When I called to speak to a supervisor and let them know my situation I was laughed at and humiliated and told I was speaking to highest level supervisor and they also refused to assist me in this matter. 

I should be able to call before my payment is delinquent to request a one month extension. I will be traveling and unable to call after the payment due date. I am being a responsible borrower doing the right thing letting the service know early and they are doing everything possible to force me into a negative credit situation.