davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian has NEVER investigated any of my accounts and that 's a violation of section 1681 of the FCRA - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (WA)

I was given a Lowes credit card at the store on XX/XX/2016 through Synchrony Bank and made a purchase the same day for {$2100.00}. The billing cycle was closed 4 days later and the due date listed was XX/XX/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days.
Consumer complaint received 2016-03-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DE)

XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting.
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SLM CORPORATION (MN)

XXXX XXXX XXXX sent a balance transfer check for {$1000.00} to Sallie Mae XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Tue, XX/XX/2023 Posted XXXX XXXX  XXXX XXXX XXXX 0 % XXXX XXXX, VA , United States XXXX has not posted the payment to my account as of today XX/XX/2023. When I sent a chat inquiry to XXXX, I was told they can not research where the check is even though they know my name, address, payee, account # s, date of check, etc. They demanded a check number, and insisted that is the only way they can search for the check. 
I spoke with XXXX and they said they sent a paper check to the correct address but can not provide check numbers or canceled checks since this was a batch processed promotion. 

Note : There was a typo on my last name when the check was issued, but information on that has been provided to Sallie Mae and corrected by XXXX. 

I am still paying interest on this missing amount and of course need it resolved as soon as possible. 

I will attempt to attache the transcript of the chat with Sallie Mae in case that information would be helpful in investigating this.
Consumer complaint received 2022-02-14
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA incompetence lending practice and lack of integrity has stonewalled me, my family and my future from progressing. I've been imprisoned in a financial nightmare since USAA recruited me for my mortgage refinancing in 2015. There is no consistency in Loan Numbers and VA Case numbers on recorded documents. A month after the closing USAA underwriters sent me an email, with an attachment, asking me to resign the Original Note due to an error on their part. First, Not one Official representative or XXXX XXXX ever showed up or contacted me to set a date or time to witness the signing. Second, the original closing took place in my home and not at a bank which I thought was odd. 
The closing agent refused to provide me with any signed copies of the paperwork. 
As you can see by the documents I have provided. Again there is an inconsistent reporting on this refinancing initiated by USAA. XXXX XXXX  is just as confused as I am and they are unsure of how to help me. My question is this. Why is USAA reporting to XXXX XXXX  that in one year, there was a Deed in lieu of Foreclosure and in another there was not. In addition to reporting to credit reporting agencies that I stop making payments on a loan and went into foreclosure. I strongly believe there was no legitimate loan at all and that USAA stole my property and the equity it held. The foreclosure on my credit report is untrue and inaccurate. 
USAA is going to say in their response that the foreclosure process was ruled on and upheld in XXXX, Colorado courts. However, there has to be a conflict of interest when XXXX XXXX XXXX XXXX now use the property as a secured asset which backs a multi XXXX dollar loan.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (VA)

Aspire Credit Card, Dispute Resolution, Trans Date Post Date Description of Transaction or Credit Amount XX/XX/20 XX/XX/20 XXXX   XXXX  XXXX XXXX/XXXX XXXX {$11.00} Payment Processing Reference Number : XXXX XXXX XXXX XXXX XX/XX/20 XX/XX/20 XXXX XXXX XXXX XXXX/XXXX   XXXX  {$74.00} XXXX TX XXXX Reference Number : XXXX Directly after seeing the credit card statement, I called the company to inform them that I did not make these two purchases. They immediately cancelled that card and sent a new one ( which is not activated ). They seemed to be helpful, and told me they were sending documents for me to complete and sign, The documents came later than it was dated, and I returned them shortly afterwards. I received a letter that claimed that the affidavit was not returned in a timely manner, and therefore hindered their investigation, making me responsible for payment of the transactions.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois XXXX # XXXX USBK Court XXXX Illinois XXXX # XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

This morning on XX/XX/2022 I received three phone calls from XXXX which is XXXX customer service number at 10:27 AM and 10:28 AM. When I answered the third phone call I was told that there was fraudulent activity on my business account and that someone by the name of XXXX had registered a XXXX XXXX account under my Zelle. I was told that all of my banking transactions would be put on hold and that in order to reverse this process I would have to send {$5000.00} to myself with the account that was registered under XXXX to put the money back into my account. They had also sent text messages with codes that I needed to read them.I was skeptical and questioned this process and was told by the employee that they were indeed XXXX bank and they would never jeopardize their job. I did the transfer and was told that I would get an email. Two minutes go by and The phone hangs up abruptly. I called back the number and was connected to XXXX and was told that I had been scammed. XXXX did help me with filing a report with Zelle and told me that they were going to handle talking to XXXX XXXX. I do have screenshots of the phone number that they called me from and all of the text messages that the scammer sent me for the XXXX XXXX account and the Zelle account.
Consumer complaint received 2015-12-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

Paypal opened a line of credit for me by tricking me into opening the account. It was all done online. When I tried to close the account, they said I can no close it. I wanted to transfer money to the account to close it but they are trying to force me to give them my bank account info which I do n't trust them with. They are trying to extort me with late fees and bad credit reports if I did not pay but refuse to allow me all avenues to make payment. BEFORE I was able to transfer money from XXXX paypal account to another to make payment. They have blocked this
Consumer complaint received 2021-10-03
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)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. 
I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (CA)

Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX  XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. 

The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). 

ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

The purpose of this complaint is to have several unauthorized hard credit inquiries REMOVED from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim by the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX 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 2016-06-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Quick Bridge Funding, LLC (CA)

Quick Bridge funding procured my personal information in order to fill in the missing pieces such as social security number and signature and process and approve a loan for my business on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Quick Bridge funding added my social security number to an application in order to run my personal credit. Quick Bridge provided me with documentation purporting to be authentic. However, after reviewing the documents, I discovered the following errors : 1. Applications were from XXXX companies not named Quick Bridge Funding 2. My social security number was added to XXXX application, clearly in a separate font, without my permission. 
3. No application number was included on the stated application 4. The address on XXXX application is incorrect 5. The signature on XXXX application is a photoshop copy of a general signature available through state documents. 

On XXXX XXXX, I spoke with XXXX at Quick Bridge funding and although he did try and defend his company, did admit that the problems mentioned above were accurately described. 

In my last written communication with Quick Bridge, I stated that I would escalate this matter if they did not pull their reporting off my personal credit by XXXX XXXX, XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Commonwealth Financial Systems, Inc. (KY)

My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.
Consumer complaint received 2016-12-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

One in applying for a mortgage modification my loan account manager told me not to make any payments while the modification was being processed meanwhile when all was said and done and the modification was granted I was told that I had to pay the entire balance that they would not except any partial payments Pretty much left me in a bind but all the payments were made and so I do n't feel like I should be penalized or it should show that I was late 30, 60 120 days etc .. I was simply doing what I was told at the time so it was my bank account manager gave me the wrong information for them aware I have just been laid off and put on XXXX and my has been going through his XXXX round of XXXX XXXX and had to be having a XXXX and so that 's why we need the modification and that 's why there was late payments. Can you please change the standing of the payments to reflect that that was not my fault that that 's what I was told to do because I 'm trying to refinance the mortgage right now so I 'm trying to fix my credit report thank you
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Under 15 USC 1681 section 602 of the FCRA, I am entitled to the right to privacy regarding my credit information. The inaccurate late payment entry on my credit report has not only damaged my credit score but has also compromised my financial privacy by revealing false information about my payment history. 

Furthermore, according to 15 USC 1681 section 604a section 2, a consumer reporting agency is prohibited from furnishing an account without my written instructions. In this case, XXXX XXXX reported a late payment without my consent or valid reason, which is a clear violation of this provision. 

Additionally, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it has been made on time. I want to emphasize that I had indeed made the payment on time, and there were no legitimate grounds for XXXX XXXX to categorize it as late.