davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

Ive had my Discover card for over thirty years. Recently, I noticed a special 5.10 % rate on a 9-month CD, so I opened three accounts for {$10000.00}, {$15000.00}, and {$25000.00} each. However, I found no option to input my bank details for a balance transfer. When I called Discover customer service, they informed me that I needed to either wire transfer funds or mail a check. I opted to send checks, as the wire transfer fee was {$35.00} per transaction. 

On XX/XX/XXXX, I received three letters from Discover stating that I must fund these CD accounts within 20 days to avoid closure. Upon checking my accounts, I saw the listed APR was 5.10 % with a maturity date of XX/XX/year>. I mailed all three checks in one envelope via priority mail. However, on XX/XX/XXXX, I learned that only one account was credited with {$10000.00}, and it had an interest rate of 4 %. Customer service told me they only received one check and that the other two accounts had been closed.

I insisted that I mailed all three checks together and pointed out that the advertised rate should have been 5.10 %, not 4 %. The representative explained that the rate changed upon receipt of my check, which wasnt disclosed when I opened the accounts or mentioned in their correspondence. My online account still shows the 5.10 % APR for each account. Clearly, Discover is misleading consumers! When I asked to close the {$10000.00} CD and get a refund, I was informed about an early cancellation fee if the account was not kept open for at least 61 days. THIS IS ACCEPTED!!!
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experian on Tuesday, XX/XX/2023, to file a dispute over the phone. I spoke to an agent by the name of XXXX in XXXX XXXX. As I was speaking to him, his phone lost connection and made static noise. I kept saying Hello? Agent are you there? Hello? Then the call disconnected. I called back and got to another XXXX XXXX agent by the name of XXXX at XXXX XXXX. PDT. The same thing happened again. The phone made static sound and I was unable to hear the agent. This only happens when I call Experian. It has never happened when I called XXXX or XXXX. Its upsetting because I was on a long hold in order to get to each agent at Experian. The hold time was over 40 minutes. This is unacceptable. I have the phone calls recorded as evidence.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

This is the second time this issue has happened, and I have made multiple calls and sent 2 messages to the creditor to have it resolved and they still have not. I am in a promotional period until 2020. My  payment is {$84.00} until then. I had an instance where I tried to setup autopay and it failed to work. This has resulted in multiple late fees and my promotional payment increasing to XXXX $ which is putting the account more and more negative by the day. They are not helping in any way and it 's just going to continue to get worse if they do n't fix it. My fees need to be removed, due to their system problems, and the payment must be reduced back to the {$84.00} that it has been and should be until 2020. I am  continuing to pay the {$84.00}, which it is supposed to be, but since it isnt the {$110.00} they are trying to charge me, it incurs a late fee each time. Their system and customer service is awful and they are charging money fraudulently. Please have them fix this! 

Thanks
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Care Credit has charged my interest and has not removed it. This was supposed to be a 24 month SAME AS CASH. They never changed it from their standard 12 months. The provider has called them no less than 5 times. They also had names and confirmation numbers. I have also called many times and emailed. They refuse to correct this and just keep throwing us back and forth with no resolve. I need this handled.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IL)

XXXX FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY.IGNORED CEASE AND DESIST AND AND DON'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL (GOT PROOF).
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (MI)

I have two medical debts for XXXX XXXX  that is being reported incorrectly by XXXX  XXXX XXXX  XXXX, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AL)

I was approved for a College Student card in XX/XX/2023 with a {$500.00} credit limit. The application asked for household income and I listed it. I am in college & only receive financial aid, scholarships, & student loans. My mother takes care of me & claims me on her income tax. 

I signed up for a credit monitoring service with Discover & received an alert that my info was on the dark web, that I was involved in a data breach, & that someone was using my info ( name, SS #, & DOB ) in another state. Discover had me provide ALL types of information to verify my identity & households income! I did EVERYTHING asked, including uploading IRS forms, uploading my ID and Social Security card, my moms income tax return to show income and proof of identity, speaking to a live person, MULTIPLE times! Only to NEVER be able to use the card & then to get an alert that my account has been closed and my credit score has DECREASED!! 

Other than coming to verify IN PERSON, I dont understand what could not be verified as far as my identity! To be my 2nd credit card, this was very disappointing and EMBARRASSING ( when I kept getting a decline in XXXX )!
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with me.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today is XX/XX/2020. On XX/XX/2020, I spent the entire day getting my credit report unfrozen at all 3 credit bureaus. I managed the unfreezes so that my credit report would be unfrozen until XX/XX/2020. What's going on is that I am trying to refinance a car loan. For my car loan, my current interest rate, from the car dealership, is above 17 %. Yesterday, XX/XX/XXXX, a potential lender told me that my TransUnion credit report is frozen. I then went online and saw that my TransUnion credit report claimed to be unfrozen. I texted back to the potential lender saying there must be a problem with TransUnion 's software, since from my end my credit report is unfrozen and there's nothing else I can do about it. It seems to take about hour to login to TransUnion, since they initially claim my username & password aren't correct, always. Today, XX/XX/XXXX, when I login, I am unable to see my TransUnion credit report. Also, the lender texted back saying my credit report is still frozen. The problem is that TransUnion is not unfreezing my credit report. What is going on is that lenders can not get a copy of my unfrozen credit report. TransUnion is refusing to allow potential lenders to see my credit report. I am in a rush to refinance my car loan as soon as possible, and TransUnion won't allow lenders to see my credit report.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Financial Credit, Inc (FL)

This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

Attention dispute department Todays XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL  XXXX
Consumer complaint received 2021-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Received response from Equifax stating they needed more identity. How pitiful are they or is it they are off shore and can not comprehend? This issue has been going on for years and they and you have the complaints. The complaint has hot that has ALL of my information as does every one of the hundreds of complaints they and you have received in the past. As you know you have not for years fixed the SOCIAL SECURITY ERROR in your software... how strange..yes right.. yet you don't do much of anything. The game evidently no intended fix just delay and blame. See error CFPB ( XXXX  ) The following form fields are incomplete or have errors : Social security number
Consumer complaint received 2021-12-18
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: U.S. BANCORP (GA)

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at US Bank indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through US Bank onXXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I added seven authorized users to my Capital One account causing my account to get flagged and frozen on suspicion of fraud. Since, I have spoken to several managers and representatives who requested documentation verifying that it is not fraud. I provided those documents multiple times over the course of about two months and they are still refusing to release the hold. I wrote Capita Ones corporate office and have yet to receive a response from them as well. Now, today, I received a notification that my account will be closed due to no address which was seemingly deleted and I have no ability to correct due to my account status. This is one of most favorable accounts and losing it will negatively impact my credit profile as well as other lines of credit tied to this bank which are also frozen because of this one issue. Every time I call customer service I am given the run around and/or conflicting information, especially regarding documents being received. This is seeming like a modern day form of discrimination from a major company that Ive been loyal to for years. I need help regaining access to my account to prevent harm to my credit, finances, and business.
Consumer complaint received 2023-03-17
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: FC HoldCo LLC (IL)

XXXX XX/XX/XXXXXXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.