davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (GA)

I went into Dicks Sporting goods to make a purchase. The lady at counter convinced me to take out a credit card with the promise of a 25 % refund either mailed to me or taken off my first bill. I did not want a card, but the deal was too good to pass up. 

After taking out the card I never received the 25 % refund, so I had to jump through tons of hoops for absolutely no benefit. It turns out the lady at Dick 's Sporting goods entered the information into the system incorrectly. 

I spent over XXXX hours with Synchrony bank and the people at Rewards of XXXX XXXX. None of the technicians could help me and it was over a half an hour wait for a XXXX. A XXXX said she would fix the problem, but it appears the problem was never fixed. 

I am going to pay the full price, no discount included, and close out the card. 

I made several calls on XXXX around XXXX to XXXX XXXX ). I also called several times before that.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

I have written to TD Bank several times concerning the TD Cash Visa Signature Card ending in XXXX - This is a closed account but they keep adding finance charges and late fees monthly to this account. Its now up to {$100.00}. I closed all my TD Bank accounts on or about XXXX or XXXX, 2023 and was not aware that this one account was still open and active. On or about XXXX, 2023, I received a letter from TD Bank indicating an amount of {$76.00} was due on this credit card ending in XXXX. I called the bank to inquire about this charge and was informed that XXXX charged this card {$4.00} in XXXX, 2023 and again in XXXX, 2023 {$4.00}. I immediately paid the this charge of {$9.00} under reference # XXXX and requested the bank waive the finance charge and late fees. They refused. Furthermore, I also informed XXXX not to charge this account any further. However TD Bank is continually charging this account late fees and finance charges. I paid what was due when I became aware that XXXX was charging this account and feel its unreasonable that TD Bank keeps adding monthly finance charges and late fees to an account that is no longer active. I am hoping you can provide me with some relief to this matter. Thank you.
Consumer complaint received 2023-09-25
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I purchased a car from US Auto sales in XXXX Ga in XX/XX/XXXX. Was making my payment until XX/XX/XXXX I went on the link to pay online and the link did not work. I went to the website and it did not work. I could not get in touch with them so I checked my email to see if I had missed anything. The only correspondence on the matter was them denying the closure of the dealership stating that it was only temporary. That email was sent in XXXX but either I missed it or it was in junk mail. I started getting calls from Westlake Portfolio management requesting payments on the vehicle. I had no idea who they were as I did not buy my car from them and had no agreements with them. I asked for them to send me something official like a new contract. They would only send a bill and said there was no new contract. I felt there has to be a new agreement for me to sign if I am to now pay them. I logged into a link they sent me for the account. The balance was wrong, there was no past payment history and they are adding daily interest onto the loan which already includes interest and a service agreement they say they can't honor nor will they take off that amount. They are not lien holders on my vehicle says the dmv. They have repossessed my vehicle and sent me a letter saying that I broke the agreement and they are selling the car. If they don't make enough to cover the amount owed, they say I will still owe the remainder. I feel the whole situation is wrong. I never entered into an agreement with Westlake. The terms of my US Auto contract was not the same as Westlake. The starting balance on my vehicle according to my credit report was {$19000.00}. I paid {$200.00} every two weeks from XXXX XXXXand they said my balance is still over $ XXXX does not add up. My complaint is with US Auto Sales and Westlake Portfolio Management. After they picked up my car they gave my husband and I both wrong phone numbers to the tow company so we could get our personal belongings out of the car. I had to call the police department and they gave me the number to the tow company and I am now able to pick up my things.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit Reporting act Nordstrom Card Services and Target Card Services, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.

527 1
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX - Account XXXXXXXX XXXX XXXX - Opened XX/XX/2020 - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of XXXX XXXX regarding for this request to be fixed and was then contacted by Compliance that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX  I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (GA)

I am disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (LA)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valer Enterprises, Inc (NY)

I am a victim of identity theft. I already reported it to Federal Trade Commission. 
Debt collectors company name : Valer Enterprises INC Company Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Company # : XXXX XXXX  XXXX License # : XXXX On XX/XX/XXXX - i received a letter from Valer Enterprises, INC. regarding an alleged debt amounting to {$2500.00} from XXXX XXXX. 

On XX/XX/XXXX- Valer Enterprises, INC. received my response telling them that i do not owe the debt and that i am a victim of identity theft. And they should dispute the debt because i do not owe it. I requested for following information to be provided to me. 
-amount of alleged debt -full name and address of the creditor -any judgement/documentation showing they have verified that i am responsible for the debt -documentation showing they are license to collect a debt On XX/XX/XXXX, XXXX they sent a letter with enclosed verification that i requested. However, i found it odd that all the evidences they sent me looks fake. There are names that i do not know and bank account that i do not have. 

I called XXXX to verify their license and i was told that their license expired XXXX and they are not allowed to operate and to just disregard their letters. They have been calling me everyday.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TN)

By the provisions of the Fair Credit Reporting Act, I am sending request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had an eviction sealed by the court on XXXX XXXX 2022 and it is still showing up on my rental history. Apparently transunion is responsible for this portion I am not entirely sure. I contacted the courts but they said they can not even see my case anymore so I have to go through this process now.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (GA)

Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {$29.00} NSF fee 's. I never got communication that those fee 's were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee 's regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n't want anything to do with USAA for a reason and now I see why. So could n't qualify for full membership because she did n't want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.