davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

I reactivated my account last week with BankMobile using my current address. When they sent me my debit card they sent it to my old address instead of my current address. When I found this out the only choice I had was to report the card as lost and get a new one sent out which had a {$10.00} fee. I told them it was their systems fault and I shouldn't have to pay the fee and they told me to use the email customer service. I did this and they refused to refund the fee even though the card being sent to my old address was their fault. I told them I was going to report them but it did no good.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FULTON FINANCIAL CORPORATION (NJ)

I would like to bring to your attention a matter of utmost importance regarding unauthorized purchases amounting to {$630.00}, which were observed on my Fulton Bank card during the period from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon promptly noticing these charges, I responded as soon as possible, given that they were unrecognizable to me. 

To my concern, I subsequently received a denial letter, asserting that no error had taken place. This statement contradicts the events as they occurred. I wish to express my deep disappointment in the outcome of the denial, as it does not align with the circumstances surrounding these unauthorized charges.
Consumer complaint received 2019-03-21
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: SYNCHRONY FINANCIAL (OH)

I made a promotional purchase of {$3300.00} two years ago, saying Synchrony Credit Card Interest Free with big letter on XXXX XXXX promotion sign. Then I applied and started to pay it back each month. In XX/XX/2019, after 24 months from then, only {$1400.00} remains on balance. However, starting from last month, Synchrony Bank was charging me additional {$2100.00} dollars interest, saying it is the 24 month deferred interest, which I was never unaware of. 
I was never given notice about the deferred interest of {$2100.00} before it appeared on my bill. No one informed me about this from beginning and during payment period. What I received is just an email eStatement monthly, showing how much remaining balance and the due date. There is no any indication about 24 months payoff requirement. And it is my first time to hear about the term of " deferred interest ''. 
Therefore, I felt being misled by the promotion of " interest free '', instead of " deferred interest ''. 
I have a good credit score history and never miss any purchase/credit card payment. However, this time, I feel unfair about the {$2100.00} interest from a mere total {$3300.00} purchase. If I was clearly told about the deferred interest at the very beginning, I would not apply the card at that time.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. 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
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

I had been working with XXXX XXXX in house XXXX XXXX Department for a couple of months to resolve a past due rent balance and keep this debt from going to a 3rd party outside collection agency. Some point during the months I had making payments., National Credit Systems , Inc had contracted me about this past due balance- stating that I had not made suitable arrangements to pay this debt. In response I told them that I'm disputing this debt entirely and requested debt validation under the fair debt collection practices act. It has been over 3 months since they received the letter and to this day, I had received no supporting documents that proof that this debt as mine and they still continue to pursue collection activity including reporting this debt on my credit reports!
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (DE)

American Coradius International LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to XXXX ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my XXXX account and have also called to confirm with XXXX that I don't have any debt previously or currently. I don't have a XXXX credit card and I only use XXXX to make payments using my bank debit. I have no balance that I owe to any creditor through XXXX.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with 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 60 days 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.

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 XXXX
Consumer complaint received 2018-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX has been on my report for 7yrs 2 mo it should have been removed once it hit the seven yr mark I request that it be removed IMMEDIATELY!
Consumer complaint received 2024-09-13
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report.As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Consumer complaint received 2023-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX there were several fraudulent charges made on my card. I called the credit card company and disputed the charges, had the card canceled, and just wanted to pay down the card so I declined having a new card sent to me. They did reimburse me for the fraudulent charges so I thought the matter was remedied, and I began to pay off my card balance. Just the other day around XX/XX/XXXX, I logged into my account and saw that one of the fraudulent charges from XX/XX/XXXX had somehow still been charging my supposedly " canceled card '' every month for around {$35.00}. Turns out the credit card company forgot to cancel the credit card number ( even though this is their standard policy and I explicitly asked for this ) that experienced the fraud and I would continued to incur close to {$2000.00} in fraudulent charges over the next XXXX years. I paid interest I did not owe, and my full balance most likely would have been paid off if they had taken care of this correctly. So I called immediately once I discovered this and had to call several times speaking with representatives, a manager, and then the manager 's manager. They found that my story was factual. They said still had the original call recorded from XXXX and verified all I said was true and accurate. The problem is they said they needed " a few days '' to correct everything since in addition to refunding the near {$2000.00} they needed to calculate the incorrect interest and adjust the higher than necessary payments I've been making for the last XXXX years. Anyway it's been more than " a few days '' and it still has not been fixed. They are still charging me the same full minimum payment and I haven't been refunded anything.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list them below. When you get this omplaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Saturday XXXX XXXX, between XXXX and XXXX EST, I drove to a local BoFA branch where they had a drive up ATM.

I proceeded, as one does, to deposit the cash I had on hand ( {$2100.00} in 20 {$100.00} bills and 2 {$50.00} bills denominations ) into the ATM ( atm number is XXXX ). 

The atm counted the money, however, the machine had only counted {$1000.00}. So I freaked out and decided that I will not proceed with this deposit as the ATM counted the wrong amount. So I pressed cancel and the machine spit out {$1000.00} ( in different denominations ). I decided to park and walk into the branch where I was told no one can help me but that I should call the claims department, the branch manager had said it just happened to someone right before me with {$6000.00} and the atm only counted {$100.00}. however, I ended up handing the cashier inside the BoFA branch the {$1000.00} all while I was on the phone making the claim with BoFA. 

I made the claim ( XXXX ) that same day on Saturday and i was told that in 2 business days I will be updated. 4 business days went by and nothing happened.

I called and they said they can try to put in a special request to get a temporary credit of the {$1100.00}. They also said It will take 10 business days. 10 days later ( XX/XX/XXXX ) they tell me that they never found a deposit in my account for XXXX, and that they looked at the ATM between XXXX XXXX. I dont understand what investigation they did, because it seems like they did nothing. and I was told when I called on XX/XX/XXXX that no one looked at any cameras after I told them they can check the ATM, branch and drive through cameras. I work for XXXX XXXX and I know as a fact that this happens as well and its considered an operational risk. 

Keeping in mind that all this while I couldve had XXXX cash in hand. An inconvenience and BoFA just doesnt make it easy. I tried to escalate the case, I called 3 times on XX/XX/XXXX and XX/XX/XXXX to escalate the case, but it says its closed. 

Now they say that by XX/XX/XXXX the money will be taken out of my account. The person that I called on XX/XX/XXXX told me that they never looked at the any of the cameras nor the atm. 

Now its XXXX days out so they obviously wont find the cash stuck in the atm because they have a servicer that comes and checks the ATMs 1 time a week at minimum.

So I dont understand how they came to this conclusion but I am not paying a XXXX back because I dont owe them anything. 

Meanwhile my account balance will continuously decrease because of the XXXX XXXX monthly service fee. And an FYI my account with them has been open for maybe 2 months now.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Description of complaint : XX/XX/XXXX - used and paid card XX/XX/XXXX - card declined and found out it was closed with no notice I have always payed my synchrony  XXXX XXXX on time for years, and never had any issues or delinquencies. I reorganized my bank accounts to better suit my finances and that caused XXXX nsf. Which I immediately rectified with a manual payment. I also called about updating my autopay and recieves NO help. Also NOWHERE on the lowes credit center on their app or the mobile synchrony XXXX  site does it allow you to change autopay information. Due to this the autopay series continued and caused an additional nsf payment to that same account. Which I also immediately went and paid. They then without any warning, heads up of policy, offer to help update my autopay series or anything just closed my account. It is my most used account and critical to my work. 
Nobody has even been willing to listen or help. I cant imaging this is how you should treat a great long time reliable customer. There are many less dramatic actions to take first, and much more customer service that should be provided. I just want my lowes card and its a shame this is whats happened .... 
Desired settlement : Reopening of my XXXX card account and assistance updating autopay info to new account
Consumer complaint received 2023-10-13
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. (TX)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX  Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.