davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The former XXXX account number is XXXX, and this account is reporting to my XXXX, XXXX, and Experian credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on Experian and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my Experian report. They are also reporting XXXX negative months on Experian, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has gone up on my interest APR blaming the economy. I have had this same card for approx 8 years and have NEVER miss a payment and I have been late twice in 8 years! A little over a year ago, my interest rate was 16 % and had been for all those years. several months back it AMEX jumped it up to the high 28 % to 29 %. I am not even making a dent on my balance when I make my minimum ( that sure is a I can do with the APR jumping so high ) while AMEX blames the Covid era and the fed up'ing the interest rate! None of my other banks are doing this. As a matter of fact, Most of my banks have been amazingly and shockingly HELPFUL with my interest rate and OUTSTANDING pay history! I guarantee, I have paid more in interest to AMEX than I have ever purchased using the card! Amex offers plans to lower my payment WHILE HURTING MY CREDIT!! How is that fair to a perfect pay history client?
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (DC)

In accordance with the FCRA 1681b ( c ) Experian is reporting unauthorized inquires on my consumer. This considered a violation and because of this violation it is costing me financial damage. XXXX has not validated these inquiries yet they are still reporting these illeged inquiries.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (AZ)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SYNCHRONY BANK, for violating my cease and desist notice, continuing harassment, threats, defamation of character, and continuing to collect an alleged debt under false statement or representation. 

SYNCHRONY BANK stated in their letter ( Exhibit A ) dated XX/XX/2022, You did so by signing the application, whether written, verbally, or electronically, and agreeing that you understood the terms and conditions of the account. SYNCHRONY BANK violates the protection of my nonpublic personal information under the XXXX XXXX. SYNCHRONY BANK never disclosed that I have a right to opt out of my nonpublic personal information before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and given an explanation of how I can exercise that nondisclosure option. 

According to the consumer credit protection ( 15 USC 1693l ) waiver of rights, No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action. 

I never gave SYNCHRONY BANK consent to disclose my nonpublic personal information which constitutes Aggravated identity theft ( 18 USC 1028A ) by false pretenses. 

SYNCHRONY BANK stated in their letter ( Exhibit A ), We have received and will honor your request to cease collection efforts on this account. SYNCHRONY BANK continues to dishonor by continuing to communicate and collect on the account. I received mail letters dated XX/XX/2022 ( Exhibit B ), XX/XX/2022 ( Exhibit C ), XX/XX/2022 ( Exhibit D ), XX/XX/2022 ( Exhibit XXXX ), and XXXX emails ( Exhibit F ) dated from XX/XX/2022 thru XX/XX/2022. SYNCHRONY BANK continues to report negative information on my consumer report and violates the Fair Credit Reporting Act. 

SYNCHRONY BANK has not only violated my right to privacy but also violated multiple Federal Laws. 

I hereby demand SYNCHRONY BANK honor my cease and desist letter, stop further collection on the account ending in XXXX, and remove any negative information on my consumer report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX, Transition, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( XXXX XXXXXXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, Transunion, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to XXXX, XXXX, Transunion, ( XXXX XXXX ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' XXXX, XXXX, Transition are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (IL)

The former Avant account number is XXXX, and this account is reporting to my XXXX, XXXX, and XXXX credit files. Avant is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with Avant was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how Avant is currently reporting this account to the three credit bureaus. Avant is reporting the charge off status date as XX/XX/XXXX on XXXX and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting 8 negative months on XXXX, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

Avant has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. Avant sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that Avant updated my account with late payments. Avant has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}. 

On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}. 

I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I am submitting this complaint because I received a letter a few months ago from XXXX XXXX XXXX. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter. 
On XX/XX/XXXX I received an email from TSI ( Transworld Systems Inc ) about the same debt which they were now collecting for XXXX XXXX XXXX. in the amount of {$1400.00}. 
Please note that TSI Debt Collection Email dated Wednesday XX/XX/2023, is acting on behalf of XXXX XXXX XXXX. who stated they assumed the debt from the XXXX XXXX XXXX. 

They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to TSI on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt. 

Please note that the dispute letter was sent to TSI physical address only as reflected below. The po box is provided for references only. 

Transworld Systems Inc. ( TSI ) ( Physical Address ) *TSI Correspondence Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (AZ)

I received notice from credit monitoring stating that someone applied for an Avant credit card with an address that wasn't consistent with my known address. I IMMEDIATELY called Avant on XX/XX/XXXX and reported that I did not apply or authorize a card in my name. They would not cancel the request or close the card and told me that they would forward my info. to the fraud department. I asked to speak to the fraud department and they said that I could only contact them by email. I called several more times as I hadn't gotten any information. Each time they said I had to wait for the fraud department. On XX/XX/XXXX, I finally received an email with the information I needed. I went to the police and filed a report and completed all the paperwork and sent back to Avant on XX/XX/XXXX. I have yet to get a response. I still show this card open with the annual fee due. I called several times and can only get a customer service representative who says they can not transfer me to fraud or to a manager. Last time I called on XX/XX/XXXX, they stated the issue was resolved and the account closed. I asked for this in writing, which they said I could only get if I contact the fraud department. I emailed the fraud department on XX/XX/XXXX requesting this information in writing and have not gotten a response still.
Consumer complaint received 2021-07-16
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. (CA)

On XXXX XXXX XXXX, I submitted a letter asking Experian and XXXX, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

Experian has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

Experian and XXXX, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC (IL)

I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Currently in federal litigation with XXXX XXXX XXXX. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
Consumer complaint received 2022-08-21
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. (AL)

n accordance with the Fair Credit Reporting Act 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 instruction.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offers cash back on credit cards. So essentially you spend money using credit card and you get a % back over time as a rewards. They call it cash back. You are able to put the cash on your checking account, saving account, or even credit card. I collected rewards and put it towards my credit card payment in the month of XXXX. Apparently and nobody tells you but you are not allowed to put it towards your credit card as a payment and I was flagged for missing a payment and received a XXXX pt deduction on my credit score. This is greatly impacting my eligibility to refinance my XXXX XXXX property over a {$100.00} payment that was made but they dont wan na count. I have tried to work it through the bank and they are unwilling to offer me any form of help. Do not bank with Bank of America
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems. 

I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them. 

Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid. 

If i was informed or aware of the bill/charge i would have paid it immediately. 

I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.