davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I have had a revolving credit account with Rooms To Go, managed by Synchrony Bank, since 2008. Throughout this time, I have maintained a perfect payment history, with no missed or late payments for over a decade. Despite my responsible use of credit, Synchrony Bank recently reduced my credit limit from {$4500.00} to {$1500.00} without prior warning or specific justification, citing vague reasons related to " account activity '' and general risk factors. 

This unexpected credit limit reduction has severely impacted my credit utilization rate, which in turn has harmed my credit score. My current balance is {$1400.00}, and prior to the limit reduction, my utilization rate was a manageable 32.6 %. Following the reduction, my utilization rate has skyrocketed to 96.9 %, a drastic increase that pushes my usage rate far beyond the recommended threshold of 30 %. This unjust action is having a damaging effect on my credit score despite my long-standing, excellent account history with Rooms To Go and Synchrony Bank XXXX 

Given the long-standing relationship I have with this account and my clean payment record, I find the reduction to be unfair and unwarranted.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.
Consumer complaint received 2024-09-30
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IL)

we received the gift card as a birthday gift. when we opened the card the numbers on the card stuck to the inside of the package - making card unreadable and we could not see the numbers on the inside. The card was placed in the package defective.

Vanillagift.com would not provide me with the 4 numbers and required proof of purchase, address info and other information. Since we got as a gift we do not have receipt and hence could not complete the issuance of a new card. 

Customer care states that is the only solution for the gift card and now vanilla.com just got {$50.00} profit for a card that we can not use. We are also contact XXXX XXXX to make them aware of the lack of customer service provided and asking them to stop selling this providers cards. 

Thank you. XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

Dear Sir/Madam : My name is XXXX XXXX XXXX and I am writing to file a formal complaint regarding a serious financial issue that has negatively impacted my account and credit score. I mistakenly purchased a domain through XXXX for {$28000.00}, thinking it was priced at {$28.00}. Upon realizing the mistake, I immediately contacted XXXX customer service and followed the necessary steps to cancel the transaction before it was finalized. 

XXXX removed the domain from my account, which I understood to be a resolution in my favor. However, to my surprise, PayPal is still reflecting a {$28000.00} debt, even though neither my bank nor PayPal processed the payment due to insufficient funds, and I never took possession of the domain. 

This unjust charge is severely impacting my credit, despite the fact that I do not own the domain, nor did I authorize such a charge. Despite multiple appeals and communications with both XXXX and PayPal, this issue remains unresolved. 

I am formally requesting that a thorough investigation be conducted, and that this unauthorized debt be removed from my PayPal account. Should I not receive a favorable response within XXXX business days, I will be forced to pursue further legal action and file my case with the appropriate consumer protection authorities. 

I appreciate your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

XXXX - I noticed that Citi had blocked my access to my bank and credit card account. I can not access my bank account or credit card account via the mobile app or website and even the phone system will not tell me updated information, only what the last reported balance was when the block was put in place. I called the banking customer service number. They told me I had to wait for a letter to be mailed to me with a code that I had to provide to them. I tried to verify with my phone number but they said they couldn't verify it, which is odd because I confirmed it in my account previously and receive text alerts from Citi regularly. 

XXXX - I still did not receive the letter with the code and was still blocked from my account so I called back They told me I had to wait fo the code. I asked about driving to my local branch with my ID and passport to verify my identify. They said they would not unblock my account access even with those proofs of ID and that I had to wait for the letter to arrive in the mail. I asked if they could confirm my auto deposits and auto pays would function as normal and they refused to tell me anything because I didn't provide the code from the letter I hadn't received. I called multiple times on this day expressing that I was worried I would not be able to pay my rent with my account blocked. They did not help me. They only told me to wait for the letter and twice, two different customer service reps hung up with me. I was not yelling or acting aggressively in any way. I did not swear once. I also called the Credit Card department and they tried to grant me access to my Credit Card on their end, but the banking block overrides anything they could do for me. I emailed Citi 's executive response team to request their help and was provided with this reference number for my case : XXXX XXXX - I still did not receive the letter and was now very worried about the state of my account, since I could not confirm my paycheck had been deposited. I was very concerned about being able to pay my rent. I called Citi and they again would only tell me to wait for the letter. I then called my local branch and they confirmed that they also wouldn't be able to help me either. 

XXXX - I still have not received this letter with the code and still can not access my bank or credit card accounts.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

XXXX old tax liens that were paid/satisfied/released. 
XXXX from XXXX for {$800.00} and XXXX from XXXX for {$930.00}. These showed up on my credit reports last year ( XXXX ). I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed both of them immediately. 
XXXX removed the XXXX from XXXX, but not the XXXX from XXXX. 
Equifax did not remove either XXXX. 
I would like XXXX and Equifax to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

In XX/XX/year>, I became XXXX  and was already struggling financially. I went through a period of prioritizing necessities and soon began receiving daily calls from my creditors, which caused me immense stress because the amount of calls i was getting was XXXX times a day from the children 's place collections. I learned about financial hardship programs and contacted my credit card companies, specifically Ulta and Children 's Place, both of which are through Bread Financial. 

During my discussions with them, they explained interest rates and payment amounts, but at no point did they inform me that entering a financial hardship program would result in my account being sent to collections and reported as late. I received a letter stating that I couldnt have XXXX accounts in financial hardship, so I understood that clearly. However, they continued to withdraw my automatic payments as we discussed. 

After getting a new job, I focused on my credit and repayment plans. Despite making payments, I discovered that I now owe nearly {$800.00} on a card that started with a {$500.00} limit, primarily due to unexpected fees. It seems I was considered late on payments, and Im being charged an additional {$41.00} each month. I didnt check my statement closely because I was on auto-pay and assumed everything was in compliance based on my conversations with them. 

My Target Red Card shows on my credit report that Im in a financial hardship plan, but my Ulta and Childrens Place accounts do not. There are late payment marks on my credit report from those accounts, but not from the XXXX XXXX, which suggests inconsistent reporting. 

When I try to resolve this, I often get stuck in a call center loop with generic responses. I had to interject during calls just to get my account number, and I'm frequently placed on hold for extended periods. After drafting a dispute letter for my Children 's Place account, I received a generic email response about my Ulta account, but it didnt address my concerns. 

I want to dispute the late payments and fees and establish a reasonable repayment plan. It feels like I'm being ignored despite my efforts to communicate. Ive tried to do the right thing during a tough time, but I'm facing significant obstacles and poor treatment. I just want to settle my debts without the added late fees. This experience has been incredibly frustrating, and I believe their operations are unfair.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Guglielmo and Associates (NV)

GUGLIEMO & ASSOCIATES has sued me on behalf of XXXXXXXX XXXX  for the amount of {$1100.00}. The information in the court documents is INACCURATE, and has not been VERIFIED. I have received no correspondence to allow me to dispute or request verification of this debt, other than the court summons that I am being sued. My rights have been violated, along with violating the FCRA. 
I called and requested them to dispute the account for inaccuracies, and they are refusing to submit the dispute because I will not provide them my updated address. I am not going to provide my updated address so it can be used against me to " verify '' this debt.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

To start I have been having issues with TD bank specifically with fraud charges. This started on XX/XX/XXXX where I was charged XXXXXXXX XXXX they did pick up on this and they did provide provisional credit. But my debt cards ( which I have gone through XXXX of them now ) were still being fraudulently charged. 
I was charged XXXX XXXX  in total XX/XX/XXXX XXXX charges at XXXX XXXX XXXX XXXX and 1 charge at krogers. All of the charges mentioned have come from ohio I myself am based in NJ I had made a claim against all 3 charge 's and the bank can see that they were not made in the state that I myself am in and they denied it I have today XX/XX/year> made another claim. 

Overall the actions TD has taken have been unacceptable for cyber security and I have followed all the steps they have told me to fix this issue and felt the need to report this. 

If any other info is needed please contact me
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (MN)

ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.
Consumer complaint received 2024-09-30
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: MoneyLion Inc. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor XXXX XXXX, NY XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately.

Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : 1. Evidence showing that I consented to or authorized this reporting under the FCRA.

2. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. 

If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (CA)

The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MD)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX Inquiries : ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Collection 1. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

2. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : TD BANK USA/TARGETCRED XXXX