davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/year>, I received a letter in the mail that starting XX/XX/year>, the interest rate on my Nordstrom XXXX card is increasing from 22.65 % to 31.15 %. Since I have been a good customer with Nordstrom XXXX and have always made my payments on time, I was concerned that there was derogatory information in my credit file that was causing this increase. 

On XX/XX/year>, I spoke on the phone with a representative for the company to inquire about the reason why my credit card 's interest rate was increasing so dramatically. She reviewed my account and determined it was in good standing. She mentioned that this new increased interest rate is being applied " across the board '' for all cardholders in good standing. Personally, she felt that the increase was huge, but that this decision was made by the corporate arm of Nordstrom. 

As a consumer, I am outraged that Nordstrom XXXX is imposing such a huge interest for all cardholders in good standing. This is particularly galling since interest rates have dropped recently. This type is rate is normally reserved for customers that are risky or have derogatory items on their credit report. 

Thank you for looking into this matter for me. 

Best regards
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Mercury Financial Intermediate LLC (IN)

The information in the remarks field is missing or incorrect The credit limit and/or high balance is incorrect. 

This Mercury card company has been reported to Consumer Financial Protection Bureau for fraudulent charges, dates, lied about interest rates, lying about missed payments. They said derogatory remarks to be deleted. Company is a scam. 

This company should be investigated.
Consumer complaint received 2019-02-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (VA)

For a couple of years now, Penn Credit Corporation out of Pennsylvania has been seeking compensation for a debt that has been settled. In XXXX, I left my previous college institution of XXXX XXXX University. I transferred to my current college institution in XXXX, which required a transfer of my official transcripts. After I left XXXX XXXX, I paid off my tuition to the college as in order for them to make the transfer of my transcripts ( as it demonstrates within their policy ), I needed to have fulfilled my financial obligation with the University. In XXXX, the aforementioned Penn Credit Corporation contacted me stating that I owed a debt. Which is not possible, based on the information already provided. Though they ceased contact after I demonstrated to them twice that that debt was fraudulent, they recently in XX/XX/XXXX, re-attempted to collect money for this fraudulent debt. In my letters, I not only used their client 's own policy, I also informed them that I have my transcripts available ( which I do not have to share based on the Privacy Act ), and I also provided information directly from the U.S. Department of Education. 

Early XX/XX/XXXX, I also reported this organization to the XXXX XXXX XXXX for their tactics and attempt to collect a fraudulent debt.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (OH)

I looked on my credit report and found all kinds of inquiries when I didnt authorize these companies from 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 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. 

XXXX XXXXXXXX XXXX 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 2019-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (VA)

Amsher collections has been repeatedly calling my number several times a day. And also pulling my credit report from the bureaus since XX/XX/2019. 

I do not have an account with company neither did send a written notification stating same.
Consumer complaint received 2024-09-10
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. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-10
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. (NJ)

Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Since 2020 i have been going back and forth with USAA bank about an unauthorized checking and and credit cards opened in my name. 

the bank states that they have handle this and removed all reporting from my profiles and locked the profiles. 

they then procced to advise me that because i reported fraud on the accounts which i never opened them to began with, that if i was to ever want to bank with them that i can not because i had ID theft. 

seems to me that you are still holding me liable for a fraudulent account that you allowed to be opened without my constant. 

this violated all of my rights under fair credit reporting and civil actions. If i never had the account nor never authorized the accounts then why is the accounts stopping me from becoming a member
Consumer complaint received 2019-02-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

My XX/XX/2018 Car Payment for Nissan Motor Acceptance was reported 30 days late on my credit report with XXXX, XXXX snd XXXX.The Payment was due XX/XX/2018 and I paid it XX/XX/2018.Thats only 19 days late.They reported it 30 days late.I have done several disputes online and via mail but they claim it was reported correctly.I sent all three bureaus a copy of my bank statement showing I paid XXXX on XX/XX/2018 but they stil would not change it.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IL)

Someone stole my Identity, and turned into me, Using my name social security number .created drivers license and ID in my name and more horrible things. Several ID theft reports have been filed and a freeze and alert has been placed on all 3 credit bureaus.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. it has been well over 30 days, and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has beenwell over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CO)

The law firm sent a collection notice marked as SECOND NOTICE for a non-existing debt. No notice from the toll authority was ever received and no first notice was received from the attorney. I called the XXXX XXXX XXXX XXXX and it confirmed that the only amount ever owed was paid in 2019. No amount was sent for collections.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I brought into the XXXX Branch of Bank of America directly a cashiers check for XXXX dollars from a XXXX XXXX XXXX who purported to buy my XXXX XXXX through XXXX. 

I told XXXX XXXX clerk at Bank of America that this was a cashiers check, and she said that it would clear at midnight on XX/XX/XXXX. I received a note from her that there would be no provisional credit but I could use the money after midnight on XX/XX/XXXX. I then checked the balance several times during the next few days, and it always indicated that the money was in my account. Since the buyer had overpaid for the car, he directed me to use a XXXX Transfer to send XXXX dollars to be used for the transport of the car, which I did on XX/XX/XXXX, well after I had been assured and had relied on BOA that the money was in my account. Then on XX/XX/XXXX the money was debited from my account and I was told that the cashiers check was no good. However, I had done everything I reasonably could to make sure that the cashiers check was good. 

I therefore think that BOA should reimburse me for {$2500.00}
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

I hope this message finds you well. I am writing to formally address several frustrating issues I have encountered with my Apple Pay virtual account, particularly regarding a recent interest charge of {$190.00}. 

According to the notification I received, this charge was applied because my entire monthly balance for XXXX and XXXX was not paid in full by their due dates. However, I changed my payment plan in XX/XX/year> from full balance of amount due by due date to minimum payment of amount due by due date. Since making this change, I have consistently paid the minimum amount due before the due dates, ensuring that I would not incur any interest charges. 

Additionally, I have experienced significant complications with my Apple Pay transactions while traveling abroad. In a major incident earlier this year, I made a full payment in advance, but the Apple system did not capture it, resulting in a double deduction from my account. When I reached out to Apple Pay support via iMessage, the agent was unable to reverse the second charge and advised me to revoke it through my bank, XXXX. This action caused a hold on all my future early payments, severely impacting my ability to manage my finances. As a consequence, I was stranded abroad without the funds needed to pay my XXXX on time. 

Since switching to the minimum payment plan, I have not received any notifications about interest charges or late payments, as Apple Wallet indicated that my scheduled payments would be skipped if I had already made the minimum payment. This conflicting information has added to my frustration and made it increasingly difficult to manage my finances effectively.

Given the ongoing issues, the unexpected interest charge, and the stress this has caused, I am requesting compensation for the difficulties I have faced while using Apple Pay. This situation is not isolated, and I believe that appropriate action should be taken to address the inconvenience caused.

I look forward to your prompt response to this matter and hope for a resolution that reflects the seriousness of the issues I have encountered.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/scrub>XXXX XXXX XXXX, I received a SMS text message on my XXXX saying " XXXX  ALERTS with wire transfer was being attempted from my XXXX Bank Account ''. A man called me on the same number introducing him as " XXXX Representative '' and told me about high call volume being reported with similar Fraudulent wire transfers by a lady named XXXX XXXX from XXXXXXXX XXXX. He then transferred me to a Supervisor from XXXX XXXX XXXX XXXX XXXX team, who gave me his name. He told me my account is already compromised and he is here to help & trace this lady and collect evidence. He asked me for my XXXX username and password for disablement purposes. Thinking he was a XXXX Representative trying to help, I provided him this information. He then had me setup some wire transfer entries for investigation & testing purposes. He tricked me into setting up wire transfers ( Authorized by me ). But I did not know the wire transfers were set to go to SOFI Bank. I did not create those entries. I did not receive any XXXX XXXX from XXXXXXXX XXXX regarding these new wire transfers setups which was unusual & out of pattern activity. I never wire transferred any money to SOFI Bank in the past. Unfortunately, till now I could not sense his ill intentions & gave him OTPs thinking it will be used for investigation purposes. He told me my account will reset within XXXX hours. I should call him next day XX/XX/XXXX to continue with the investigation process. He again repeated the same process next day XX/XX/year> telling me it was for investigation purposes and my account will reset in XXXX hours. My account did not reset and I saw all my money wire transferred, leaving me with a very low balance with all my money stolen. As per XXXX representative, XXXX wire transfers were made to SOFI Bank XXXX in XXXX different accounts.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

Wont let me create minimum affordable payment plan with XXXX interests although I am facing hardship though they promised to do it. They said I am not eligible for it. They said I need to let my account going behind which is absurd and interest are now more then XXXX dollors at month. Still cant find a solution with them although they are replying to my complain that they are offering assistant which they are not
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (NY)

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since 2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Consumer complaint received 2024-09-10
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. (WI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX I authorized a business to debit my account for {$100.00} and in turn they were to provide services to me. The services were never provided me so I called the merchant to get the {$100.00} returned and he did not respond to me. 
I then called Wells Fargo Bank to dispute the charge. I was given provisionary credit and then I received a letter on XX/XX/XXXX that the credit was being taken back and no credit would be given, should I have any questions to call. I called Wells Fargo and was advised that " They lost the case against XXXX because they are a money transfer company and that the transaction was a money transfer. I once again advised that this was not a money transfer and that my debit card was processed by the business and XXXX must have been their Merchant Services company. They kept insisting that it was a money transfer. I asked to speak with a supervisor as I was not satisfied with the information that was being provided and they should also realize that this was not done as a money transfer, " as similar to XXXX XXXX '' as I was told but processed through a merchant services company, I was advised that this was a final decision and there was no where I could go to dispute this transaction.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

I am filing a complaint against Goldman Sachs Bank, having a Goldman Sachs -Apple credit card. I fixed a computer from XXXX XXXX XXXX XXXX  Apple store ( XXXX ) on XX/XX/year>. The repair had a 90-day warranty, but the computer showed the same problem in 90 dayswhen I went to the store ( Proof of this is attached ) in 90 days, the store refused to see my laptop again. I had placed the transaction ( {$480.00} ) disputes three times at Goldman Sachs ( current dispute # XXXX ) against Apple. But Goldman Sachs favored XXXX XXXX and declined my disputes twice. So, unlike other credit card companies, our transactions with Apple are not protected.

Goldman Sach asked me to prove Apple denied re-fixing your computer. I told them that the same day, I also filed a complaint to the XXXX against Apple ( Proof is attached ), and Apple communicated with me. The store didn't give me any evidence of denial, but I visited the store ( proof is attached ), and that's more than enough.