davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

We purchased home appliance set in XXXX from Home Depot on a promotional month plan for their credit card. We were paying it off in full during the promotional period. 

In XX/XX/XXXX, we made an additional purchase, and the online portal for Home Depot made a clear statement that the balance of our current purchases were eligible for a new promotional rate again ( XXXX interest ). We accepted this promotional rate, and adjusted the payments we otherwise would have made. It did not say anything regarding what would happen to accrued interest on the original purchase, clearly appearing as a balance carry forward without penalty. If it had been in anyway made clear this balance would be subject to penalty as part of their promotional efforts, there is absolutely no chance we would have amended our payments. 

In XX/XX/XXXX, Home Depot then charge us the full interest on the appliance purchase despite clearly marketing to us that this was a promotional rate for the full balance. To date this is over {$1000.00} dollars. 

It's clear from payment history that we changed out payment with the new promotional offer to reflect what was communicated online by Home Depot. We continued to make regular payments, without notification our outreach from the company other than expected monthly emailed bills, for which we had no reason to suspect interest accrued. Home Depot has been charging us interest since XX/XX/XXXX. 

The attached document below includes email confirmation for my Wife ( XXXX XXXX ) on the new promotional offer, Home depot 's standard promotional language, and the change in payments reflecting the date of the promotion.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft report.
Consumer complaint received 2023-04-27
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. (NC)

I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX and experian are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, XXXX and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, XXXX and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, XXXX and Experian does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT
Consumer complaint received 2023-04-26
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. (NC)

I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting Equifax, XXXX and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, Equifax and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, Equifax and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. Equifax commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT
Consumer complaint received 2023-04-27
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (KY)

After my credit card expired with CitiBank last year ( XX/XX/2022 ), the credit card company has refused to send me a replacement card. I have contact Citi 's customer service team and have spoke with a client account specialist. The client account specialist have asked me for verification. I provided the information. The client account specialist still refused to assist me with help to obtain a replacement card and told me that Citi would use a third party to skip trace locating where I actually live in order to send me a confirmation letter just to request a replacement card to an expired credit card account.

Citibank is deliberately attempting to sabotage my credit account with the Company and refuses to issue me a new card after repeatedly for several months. I will not pay the bank another dime until they have issued me a replacement card. I have made payments on time and have not been delinquent and as a card holder I should not be denied any request to receive a replacement credit card for an active account.
Consumer complaint received 2023-04-27
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (OH)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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
Consumer complaint received 2023-04-26
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. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank is wrongfully hold {$37000.00} of our funds from our customer checks deposited in the accounts. We did the mobile deposited and they closed our account, returning the rest of our balances but withheld that amount for 5 months. WE have contacted WF so many times and no result. The fund are now sent to Closed account something and we dont even know when we can get the money back. This is wrong! WF should not be able to hold customer 's money for that long without a solution. We did everything we are instructed to do and still they dont return the fund to us. Can someone help us or we need to go to court for this?
Consumer complaint received 2023-04-26
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. (NJ)

I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX17- I went to chase bank and made a atm cash deposit of {$500.00} dollars all in 20 dollar bills. While processing my transaction the atm machine shut down and stated " this device has experienced a technical problem ''. To confirm that your last request was completed properly, please visit chase branch or call us toll free XXXX The atm printed this slip of transaction which has the date, time, AID # Term Id # chase bank address card account number I called customer service immediately to report the problem they stated a case would be opened and they asked for all specific information on the atm receipt, DATE, TIME, ACCOUNT NUMBER, term id # they advised it would take 10-15 days to investigate although they would give me a provisional credit. 
I never heard back until yesterday XXXX/XXXX/17 as they now charged back my account {$500.00}. I called customer service number to inquiry on chargeback and they stated the deposit was not found and therefore they charged back my account. No overage money was found. 
The atm has a camera which they can review- the atm receipt has a transaction number /sequence number so how can my money just disappear. Now they are opening a 2nd investigation which can take up to an additional 15 days which is ridiculous that I have been inconvenienced and now 30 days later wait to wait for them to reinvestigate again. The atm machine is their responsibility and the bank has now put me in financial difficulty by taking funds out of my account due to their atm malfunction.
Consumer complaint received 2023-04-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX XXXX XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MD)

I had a credit card with US Bank that was not used. I received a statement in the mail for an annual fee I was unaware of. However, by the time I received the statement the annual fee was two months late. I called US Bank and closed the account. The representative told me there was nothing she could do about the late payment reporting to the credit bureaus. If this was a card I used, I would have paid it in full monthly like the other cards I have. However, since I don't use the card and did not receive statements, I had no way of knowing an annual fee had been charged to me and that the annual fee was treated by US Bank like a charge I made on the card and therefore since payments that were apparently due but I was unaware of were not made, they reported a 30 day and a 60 day lateness to the credit bureaus. I called in and closed the account on XX/XX/23 and was told fees would be reversed and are not due. However MUCH more importantly is that I need the late reporting to the credit bureaus reversed. I am XXXX XXXX XXXX and have never had a late reporting even once and I have high XXXX credit scores. It has been important to me to maintain excellent credit my entire life and I think US Bank needs to reverse their late payment reporting. Account number XXXX XXXX XXXX XXXX Thank you!
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

ditech my current servicer raised my payment without any notification to me. i have an arm and have consistantly paid extra to principal. i started get past due notices from them and i checked my bank acct which i have on auto pay and confirmed all payments have gone out ON TIME.  they have yet to notify if my increase was due to escrow shortage or change in payment, no phone call, email, or mail
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (MA)

I have to say first my ID was not stolen but there was no other selection on this site that fit what has occurred. I applied for an Avant credit card on XX/XX/2023. I was approved and an offer was made. I did not accept the offer, nor did I activate the card. I received an email today, XX/XX/2023, that I owed {$39.00} which is what the annual fee is. The reason I did not accept the card or activate the card is because of the annual fee. I spoke with a rep who stated they could close my account. I reiterated that I never opened an account. The rep then stated that it is Avant 's policy that when a customer is approved they open the account. I explained again that I never authorized the opening of the account and I never activated the card so no account should have been opened and I also stated that this seemed to be a fraudulent practice. I work in the mortgage industry and we approve clients all the time but that does not mean that an account is just opened and we give them the money. I asked to speak with a manager. I was told the manager was already on an " involved '' call. I explained that I would wait. The rep stated that they had other calls to take and again I advised that I wanted to wait on hold and this call with me was not resolved so the other callers, unfortunately, would have to stay on hold. The rep proceeded to put me on hold and never came back. I made two additional calls and was also placed on hold and was told I was being transferred. I am currently on the phone with them again right now and being transferred to a manager for the second time as the first time the call was disconnected. They are advising me that I owe a pro-rated annual fee for the amount not used. I never authorized an account to be opened in my name and I never activated the credit card. This seems to be a very fraudulent practice. I have now spent well over an hour of my time trying to resolve this and am still on hold. I never signed any documentation authorizing any of the actions that Avant has made and I never activated the credit card. I applied, was approved, and did not like the terms- so I didn't activate the card thinking that would be the end of it as it is with every other credit card I have ever applied for. After 1 hour and 27 minutes I finally was able to speak with a manager and within 45 seconds was advised that the {$39.00} would not be charged because I never activated or used the credit card but it would report that I opened and closed the credit card.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TD BANK US HOLDING COMPANY (CA)

The bank repossesses my car. After which I paid the entire amount of the debt and I received a report from the bank that I should make my regular payment on XX/XX/XXXX, and at the moment I do not owe anything to the bank, since all overdue payments as well as late payment fees and a repossession fee. First {$1200.00} was paid, then {$2000.00}, then {$840.00} and about {$460.00}. Bank employees said that I paid all the payments and do not owe anything. I had to make an apointment to pick up my car. My car was damaged, it was scratched and its value dropped significantly after that. I received a statement that the bank expects my payment in XXXX in the amount of XXXX. But at the end of XXXX, the bank calls me and says that I am again 20 days late with a payment of {$760.00}, but not a single employee of this bank can tell me what this amount is, they can't even tell me what payments I made in XXXX, each employee names different amounts. They are extorting money from this bank, although on paper I don't owe anything. By the way, in XXXX I made a payment without delay, and I want to understand why they are extorting this amount from me?