davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I received a late fee off XXXX in the month of XXXX. I had made a payment of XXXX $ twice that month on the XXXX of XXXX and the XXXX of XXXX. I was told that I made a payment to early on the XXXX and made a payment 1 day late. They said they would wave XXXX $ of it and this is the second time they have done this. Besides the interest rate being at 35.99 %. I dont believe this is fair.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I first got a VS card with the bank comenity and I used it yes I had an outstanding payment of over XXXX XXXX XXXX XXXX which is Im not sure absurd or Im not remembering how much late fees were but come XXXX I paid in full and I do have proof of this payment all the money I owed, now I go on my credit report only to see I owe XXXXXXXX XXXX in late fees, now mind you once I paid off this card I wasnt able to use it because they had it locked after I made the payment. When an agent called me days ago she said the late payments were for a purchase which was a lie because I have yet to be able to use this card again and it still has its available XXXXXXXX XXXX credit limit. I reached out again to be more non hostile about this only to be told, that now its because they had returned XXXXXXXX XXXX from the last payment I made, so yes I did ask for a supervisor only to be told I can not speak to one of have to call back, now Im not sure what is going on over there but i did inform the agent that if nothing was to be done or a supervisor wasnt called I was going to sue because you do not and I repeat do not!!! Just decide to give back XXXX XXXX on a full payment that was indeed taken because I have the records, and make me pay more money for a card that was locked and has not been used, my father is a lawyer I know. Now Im coming here because this is ridiculous
Consumer complaint received 2024-09-09
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Avant Holding Company, Inc. (FL)

DEAR SIRS : C.F.P.B RE : AVANT CARD APLICATION.. INVITATION WITH CODE. 

XXXX XXXX XXXX AVANT THANKS XXXX YOU CREDIT CARD HAS BEEN APPROVED IN {$300.00}. DOLLARS YOU COULD RECEIVED IT IN 7, OR 10 DAYS XXXX XXXX TO XXXX XXXX, 2024... WE ARE XX/XX/year>XXXX  AND IN 1 MONTHS I HAVE NOT RECEIVED ANY CREDIT CARD NOR NOTIFICATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PERSONAL.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc. (SC)

This has been going on for well over 6 months, so I am not sure why this is even still on my credit because this company, has clearly violated my rights. 

First of all, I have never signed a contract or anything with this company. I refuse to pay this debt! 

This company is reporting a history well back to 2021, reporting past due balances, and I have never had a contract or business with BOUNCE AI. EVER! They are reporting Collection and past due on my account every single month when I never had a contract with them. That is a violation of Consumer Law! I do not have a contract or business with this company. I refuse to pay this debt. I want it removed off of my credit report immediately. 

How can a company report past due on my account when I never had a contract with them?
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (LA)

Reported fraud and scam after I realized this same person hacked my XXXX  account. Also, I reported I was being threaten and blackmailed by this company and asked if they could do anything about it. I told them I had a police report. 

Both XXXX and PayPal kept sending me back to work with the scammer. They requested I contacted the merchant to work something out. 

Also, this company XXXX XXXX kept promising me my profit was coming but asking for more fees over and over again. 

Once again PayPal said since I sent to to family and friends they couldnt refund me. B this is their rules. I tried to reverse the transactions but it was too late.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (ME)

We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result. 

The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle. 

In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

FCO has reported an account that was not established with them under any contract or agreement in collection status in reference to XXXX XXXX XXXX that has been paid in full. Since, an account that is paid in full can not be in collection status and is reporting different dates amongst the 3 credit bureaus it is a violation of my rights under 15 USC 1681e ( b ). In addition, under Section 605B of the Fair Credit Reporting Act it is illegal to report information on my credit report without my permission. Therefore, I requested that this account be removed in its entirety from my credit profile.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (CA)

I have old things under wrong names on my name is XXXX XXXX XXXX and it is coming up with XXXX XXXX is coming up with all kinds of different names that are not my name and I want to get it all cleared up so I can clean up my credit
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

Ordered a Synchrony XXXX XXXXXXXX XXXX XXXX. The card arrived, but after multiple tries I was never able to activate it. Synchrony did not automatically cancel the card. Instead, they have charged the annual fee and interest every month. After 5XXXX phone calls they still have not removed these charges.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MO)

this collection company is violating my consumer right by reporting negative information to the credit bureaus about a debt they i owe that was already paid under 15 USC 1692g. This information i damaging my credit and my life and i demand this information be remove from my credit file. I have tried to get this account removed from my credit file which was already removed once before but the bureaus reinserted this account back on my credit file without my consent or permission. I also have sent a cease to desist letter to the company to rstop all contact and reports til they show that the debt i owe them.
Consumer complaint received 2024-09-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

My payment was due Monday, XX/XX/XXXX. I am behind on my payment because I am dealing with some money issues. Beginning that day, I was called at least 3 times a day by a collector. I have been called a total of 21 times since that day. I have spoke with someone at least twice in that time span as well and asked they stop harassing me under FDCPA guidelines. They indicated theyve not violated any guild lines and would not be discontinuing. 

This is a Citi Bank Home Depot Card
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NV)

Around XX/XX/XXXX, my XXXX XXXX  was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I have a couple different accounts under synchrony Bank I didn't realize immediately but later that each one of them were tied in as I registered them for online access. I have a CareCredit account for my wife 's dental and I have a Sam 's card and I have a XXXX XXXX XXXX rewards card for my wife. She's trying to handle the business but they keep denying her as she is just an authorized user. But these things are also affected her credit. As of earlier this year they continue to decrease all my limits even though I'm paying on the car every month. I've had instances where I receive increases to my credit limits but never a decrease. And it seems to only be with synchrony Bank products. This is really hard in my credit because it continues to decrease my credit limit which decreases my usage my wife 's car has been maintaining a 30 % or less usage since earlier in the year in order to upper score and it has really affected her as well. She went from a {$500.00} credit limit on XXXX XXXX to XXXX to XXXX and this is ridiculous. It's always happening in the middle of the closing of a statement where which we've paid a certain balance based on the current limit and all of a sudden it changes. They claim to have sent letters but we don't get any notification till I first done. Can you please have the original
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I have a couple different accounts under synchrony Bank I didn't realize immediately but later that each one of them were tied in as I registered them for online access. I have a CareCredit account for my wife 's XXXX  and I have a Sam 's card and I have a TJ Maxx Mastercard rewards card for my wife. She's trying to handle the business but they keep denying her as she is just an authorized user. But these things are also affected her credit. As of earlier this year they continue to decrease all my limits even though I'm paying on the car every month. I've had instances where I receive increases to my credit limits but never a decrease. And it seems to only be with synchrony Bank products. This is really hard in my credit because it continues to decrease my credit limit which decreases my usage my wife 's car has been maintaining a 30 % or less usage since earlier in the year in order to upper score and it has really affected her as well. She went from a {$500.00} credit limit on TJ Maxx to XXXX to XXXX and this is ridiculous. It's always happening in the middle of the closing of a statement where which we've paid a certain balance based on the current limit and all of a sudden it changes. They claim to have sent letters but we don't get any notification till I first done. Can you please have the original
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (NY)

I am writing to escalate a complaint against Discover Bank and to seek immediate resolution regarding the unwarranted restrictions placed on my phone number and email, which have blocked my ability to use XXXX with my XXXX Bank account. 
This issue began on XX/XX/2022, immediately after I switched wireless providers. As soon as the porting of my phone numbers was completed, I received an email from XXXX informing me that my phone number ( XXXX ) and email address ( XXXX ) had been removed from my XXXX profile at XXXX. When I attempted to re-add both my number and email, I received an error message ( error code XXXX  ) stating that neither my phone number nor email could be used with XXXX. Additionally, I received a text message indicating that my phone number had been removed from my XXXX profile. 
Since that time, I have tried to add various email addresses and phone numbers to my XXXX profile, but each time I receive the same error. I contacted XXXX customer support on multiple occasions, but each time they referred me to XXXX customer service, claiming that XXXX could fix the issue. However, XXXX has since confirmed that neither my phone number nor email address is restricted on their end. They referred me back to XXXX for a solution. 
After further investigation, XXXX and XXXX informed me that Discover Bank is the institution responsible for placing the restriction on my phone number. Despite contacting Discover Bank numerous times, they have failed to remove this restriction, which is preventing me from enrolling in XXXX and managing my finances through XXXX Bank. 
It is important to note that there has never been any fraudulent activity associated with my phone number or email. The restriction was placed automatically by Discover when I switched wireless providers, and it continues to impact my entire XXXX profile by preventing me from using any phone number or email to enroll in XXXX. 
I no longer bank with Discover, having closed both my checking and savings accounts with them, and there is absolutely no reason for them to continue imposing this restriction. The unjustified restriction has caused significant disruption in my life and continues to hinder my financial transactions through XXXX Bank.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was charged a {$95.00} annual fee on my XXXX XXXX Capital One credit card ( XXXX ) statement. Before the due date ( XXXX XXXX XXXX  ) of the XXXX XXXX  statement, I wrote a letter asking that my card be closed and the annual fee removed because I would no longer be using the card. The card was paid in full with the exception of the {$95.00} annual fee. Thus, I met the requirements of Capital One. The card was not closed and when I called customer service they confirmed that my letter was received and they waived the late fee and interest charges and stated that the {$95.00} annual fee removal would be " escalated ''. I was assured multiple times that there would be no issue. Perhaps Capital One records these calls and verify that my position is correct. Or, look at the notes that the customer service representative wrote down. Thereafter I kept getting statements with the annual fee and new interest and fee charges. I did not use the card because I considered it closed. When I called again, I was told that it would " escalated '' to the " highest level ''. The annual fee is still present and now Capital One is filing credit notices on my credit report. Capital One should close my account XXXX and remove the annual fee and all other fees and interest. I met the requirements of closure.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc. (SC)

I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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.