davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt Make sure it was reporting 100 % correct. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well my XXXX card was mailed to a different address I was unaware that I had even got my card and was active so all the charges untill a card actually got sent to my real address were stolen and unauthorized I contacted XXXX and bank of America they did nothing for me
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

The Account Im disputing, was sold to XXXX XXXX XXXX, XXXX in XX/XX/XXXX by Synchrony Bank/Gap . This Account was one that I had called in to Synchrony Bank/Gap for in XX/XX/XXXX as a fraud account, opened fraudulently in my name. Back in XXXX, they reviewed the Account and they deemed it fraud. My actual social security number was never used to open any Synchrony Bank/Gap accounts after running it through their database, then and now. Therefore, to my knowledge they closed it and reported the fraud account to the credit bureaus in XXXX. 
Unbeknownst to me, after Synchrony Bank/Gap closed the Account, having the notes on file since XX/XX/XXXX that it was a fraudulent account, they sold it to XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX. Now, XXXX XXXX XXXX, XXXX is actively suing me for this fraud account. I called Synchrony Bank/Gap right away to inquire about the " Account '' mentioned in the lawsuit. They repeatedly apologized for their negligence of how it was not properly handled by the representative. The representative closed the account but did not send the fraud alert to the credit bureaus. This is why for all this time the Account seemed valid, it was not properly handled by the Synchrony/Gap. They still have on file the fraud, the notes, and the calls in XXXX. I have never signed up for an account, to this date, with Synchrony/Gap. I never filled out or signed an application for a Synchrony/Gap card. Synchrony Bank/Gap is currently working on getting me the fraud paperwork.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

XXXXXXXX XXXX  XXXX  ran my credit without my knowlege. XXXX ran my credit report without permission. XXXX XXXX ran report without permission. ther is a collection from online information service for a bill that was paid by insurance and they refuse to provide me a copy of original contracr which is a violation of my rights. I fell that the credit inquiries is an invasion of my privacy because i did nit give permission to view my reports.
Consumer complaint received 2022-08-08
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: WELLS FARGO & COMPANY (PA)

i have an account on my credit report that does not belong to me. i tried to reach out to the company and the credit bureaus to explain this situation to have it removed but they denied me. it was opened on XX/XX/2015 with a XXXX balance. i would like this removed as this account is not mines as i am a victim of identity theft.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

Discover Bank I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If Discover Bank dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how Discover Bank shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (PA)

I was trying to sell my desk on XXXX XXXX. This guy says he's interested and also asks for other household items I don't want that he could purchase from me. He ended up wanting a bluetooth speaker I had and we agreed on him to pay me {$170.00} for the desk and the speaker. He said that movers were going to pick the stuff up from my place, and he sent me a check that I would use mobile deposit through KeyBank for. He sent me {$990.00} - {$170.00} of which was for me, {$820.00} was meant for me to pay to the movers. I would XXXX a XXXX XXXX through my KeyBank app once the check cleared and the money was in my account. I completed this payment of XXXX over XXXX days, on XXXX {$500.00} ( because that was the limit which I could XXXX in XXXX day ), and {$320.00} on XX/XX/10. My account is currently - {$310.00} in available balance and the check, though it initially was cleared, was being returned to me. I spoke with the bank via chat and subsequently over the phone, and the XXXX support team advised I go to the authorities with this information ( as they told me I can not receive fraud forgiveness or a refund from XXXX ). Please advise on what I can do to help this! I hope you have a good day, XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Charged me a XXXX service fee the day I opened the account for not meeting min needs. I had put the funds in their shortly after the account was brand new, this practice of XXXX a month continued, i emailed the bank and said XXXX is super high for min funds in account, but XXXX emailed me back and said nothing they can do about it and he won't refund all the {$12.00} a month charges, which one took my account to negative. I was surprised to see such predatory fee practices.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stern & Stern. P.C. (NY)

STERN & STERN PC Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX NY, XXXX Hard inquiry by Stern & Stern above. I never gave this company consent to access my credit report.

I demand that hard inquiry to be removed from all 3 credit reporting agencies and {$1000.00} compensation for my rights being violated. IF Stern & Stern believes that they had my consent to pull my credit, I demand such signed documents to be produced.

Violations : 15 USC 6801 -- Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Agent, I have been a credit card customer with Chase for many years. I went on vacation to the XXXX on XX/XX/2022 and used my Chase card less 5 times for lodging during my trip. 

When I returned home on XX/XX/2022 there were 7 letters waiting for me. The letters told me Chase was closing my accounts ; Including my credit cards, my checking, my savings, my XXXX Savings Account etc On XX/XX/XXXX JPMorgan/Chase notified me they were going to liquidate my investments and I should transfer my account by XX/XX/XXXX. 

After reading the letters I went into the XXXX XXXX, California branch to lodge a complaint. The acting manager told me there is nothing that could be done as this was a management decision. He had no further information or was unwilling to disclose any reason for the action the bank was taking. The letters indicate
Consumer complaint received 2022-08-08
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. (FL)

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXXXXXX XXXX  is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX  XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.
Consumer complaint received 2022-08-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/XXXX I entered entered into an Installment Loan and Promissory Note ( Promissory Note ) with Speedy Cash, which provided that Defendant would loan {$2900.00} to me at an Annual Percentage Rate ( XXXX ) of 135.67 % ( Subject Loan ) XXXX. 

This was not known by me until months later! Speedy cash knowingly and intentionally issuing loans at interest rates that are unconscionable, and objectively unreasonable, in other words Speedy Cash has routinely engaged in unlawful business practices It was too late when I learned Speedy Cash violate Cal.

Fin. C. 22303, as they violate Cal. Civ. Code 1670.5. See De La Torre v.

Cashcall Inc., No. S241434, 2018 Cal. LEXIS 5749, at *43 ( Aug. 13, 2018 ). 22303 and/or Cal. C. 1670.5, Speedy Cash violated Californias Unfair Competition Law, Bus. & Prof. Code 17200, et seq., which provides a cause of action for an unlawful business act or practice perpetrated on consumers. 

I suffered actual monetary financial injury not just by falling for their crazy loan terms ( they were advertising EVERYWHERE so I thought they were legit. But also after I could no longer pay the crazy amounts and my debt was sold off. 

XXXX XXXX XXXX because new harassers. 

But I received an email offering me a one time ever settlement offer : if I paid {$220.00} it would settle my debt. 

I borrowed money and my sister paid it so I wouldnt be harassed. 

The letters have never stopped! And the negative marks wont be deleted by XXXX, XXXX and XXXX! 

Ive been sending letters since XX/XX/XXXX and I have just been ignored for over 24 months.
Consumer complaint received 2022-08-08
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. (FL)

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX credit is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (CA)

IC Systems is reporting different information to two credit bureaus. I have attached the violations so you can see. This inaccurate information is causing me great stress. It is their responsibility to report information that is 100 % accurate and verifiable. They have various violations causing me to believe they have no regard to the credit laws that protect us. I was denied a refinance loan recently. Items like this make my life stressful. I have to put in long hours to fix what they should already know. Its abuse of power.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (KY)

The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in checking XXXX, and savings XXXX. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or security team through XX/XX/XXXX to XX/XX/2022 about the situation. The customer service representative or security team was not able to give any information about the situation, or when the issue would be resolved. I had spoke to them between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the security team stated despite the outcome, were still not able to reverse our decision, and it was just a business decision. They stated that I would have to wait between 60 to 90 days for them to mail or access my funds. I ask them is there a way I can go directly to the local branch to withdraw my own funds, so I can continue to make payments on my bills ; but the customer representative or security team stated that the local branch does not have access over bank accounts that has been suspended or frozen ; as my checking and savings account was in good standing. I just want to know what my rights are, because I believe I have not did anything that they believe would be illegal, and there was not any suspicious activity from my checking ending in XXXX, and savings ending in XXXX. They suspended or closed my account without me being notified in advance, and only found out the account was frozen when I logged into my bank account. My credit card with Discover was still active, but I needed my own funds so that I may be able to continue to make payments on my bills.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (FL)

When selling crypto on crypto.com I am not receiving the correct amount. There is an 8 % difference between the actual value of my crypto and the amount that is received when selling. I have tried to talk to there help team and they just give me a generic answer telling me that the price is correct. I have proof that they are not being truthful.
Consumer complaint received 2021-12-08
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)

Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (OH)

On XXXX I called XXXX, after receiving a letter dated XXXX. The purpose of my call was to request my XXXX credit card account be closed immediately. The purpose of their letter was to tell me XXXX was changing credit card companies and would be closing my existing account in the near future and opening a new account for me through Barclays Bank. 

In my conversation on XXXX with XXXX, the XXXX customer service representative, I requested my XXXX card be closed immediately and directed that a new card not be issued, because I did not agree with the terms of the new card. Specifically, I was opposed to the interest rate in excess of 25 percent. I was very clear that XXXX and Barclays Bank did not have my authorization to open a new credit card account in my name. XXXX confirmed a new Barclay 's account would not be opened. 

In the mail on XXXX, not only did I receive a new credit card from Barclays Bank in my name, but my husband and daughter also received credit cards under the same account. 

Unbelievable! As a XXXX XXXX at another banking institution, I am absolutely sure if I were to open an account for a consumer without their knowledge and after they specifically had told me they did not want the account, I would no longer be working for the bank. 

XXXX and Barclays Bank opened a new credit card account in my name, without my knowledge, and against my wishes. As a consumer, I view this as fraudulent bank activity and both companies are at fault in allowing this to occur.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (TX)

On or around XXXX of 2019 a personal loan account was opened with Upgrade in my name, with my wife as a co-borrower. I never applied for this loan or received the proceeds of this loan. I completed and sent an identity theft affidavit to the creditor, as did my wife. We were told that a police report would need to be filed naming which named Upgrade, which we did. Them upon submitting, we were told we actually needed to submit two separate police reports ; one for each of us. So we went back to our local police station and did so. I have provided this company everything they have asked for and done so in a timely manner. Upgrade removed the charge off from my wifes consumer report, but it remains on mine. I have repeatedly contacted the company to inquire about the status and disposition of their internal investigation into my claim and every time Ive been given the runaround. Ive been asked to resend documents that I have a record of already having been sent. I have been told to call phone numbers that nobody picks up and in spite of all my efforts, which are above and beyond what is necessary, the company still reports a charged off account on my personal credit report. Ive attached the documentation thats been sent to them, both the identity theft affidavit and the police report.
Consumer complaint received 2022-08-10
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 (OH)

My payments have not been applied to the proper balances as required by law. I spoke with a supervisor that acknowledged they broke the law by misapplying the payments. She then also told me its my fault because I should have noticed. Yes small truth to that but is the company just exempt from following the law? I asked that my payments be reapplied to the correct balances and this still has not been done. Care Credit has applied payments to a newer balances before paying off older balances, therefore possibly causing me extra fees and interest.
Consumer complaint received 2022-08-08
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. (IL)

I submitted a previous complaint concerning a violation of my consumer rights per 15 USC 1681b ( a ) ( 2 ) ; as the company was unable to produce documents that state I gave written consent to report information concerning a XXXX XXXX account. Additionally, the information regarding the account is both inaccurate and incomplete which is also a violation according to15 USC 1681i ( A ) ( 5 ).