davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (OH)

My bankruptcy was filed electronically on XXXXXXXX XXXX XXXX. I was contacted today regarding a Sams Club account for XXXX in the amount of {$5700.00}. 
I still have all my bankruptcy paperwork and told them that this account was on there however, my dates say XXXX and XXXX. First they said that it was because I filed bankruptcy for a personal account and the this is a business account so when I researched my bankruptcy account it had two accounts on there. I assume that was my personal and my business account. 
Their claim was that the amount was for XXXXXXXX  to XXXX My statement was that credit card issuer always issues you a new account number when cards expire I doubt that Sams Club would have given me two more account numbers if I was not paying on the other two, I told them this and that I dont think I owe the money. 
They started at resolving the amount due to be {$2300.00} and for me to pay {$100.00} per month As time progresses throughout this phone call they and receiving copies of my bankruptcy paperwork then they resolved it to 10 % of the actual amount. 
Now they want add {$570.00} in three payments of {$190.00} each. 
I made the first payment. Then I researched and found out that this payment is over 20 years old or close, and a debt collector could not collect on this or sue me. 
I am retired I am XXXX XXXX XXXX. I am on Social Security. 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 
Regardless, I filed bankruptcy. These accounts were included, and I do not owe this debt. 
I am trying to cancel this payment as I honestly believe I do not owe it. 
Below is the email requesting that I sign the contract for {$570.00} which I have not done and will not do. 

XXXX XXXX XXXX Name : Original Creditor : BANK Our Account # : Original Account # : Total Balance : {$5700.00} Dear Mr.Mrs. 

In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$570.00}. The settlement is to be paid in 3 payments first payment is {$190.00} on XX/XX/XXXXXXXX  for two payments you will call us once a month. 

You can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees and all Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX PH # XXXXXXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

XXXX of last year I got approved for a secured credit card through my local bank XXXX in Indiana. This year I moved away so I closed my bank which would in turn close the credit account as well. A few weeks go by and they send me a reimbursement check of the full credit amount. All is well until XXXX of this year. Because I closed XXXX, that debit card was no longer active and my XXXXXXXX XXXX account couldn't charge it. Instead they tried charging my XXXX credit card ( they charged it without my consent but that is a different issue to complain to a different body ) and it went through. I reached out to the credit company and they said they didn't close the account, they changed it to an unsecured account. I did not consent for that and they did it without my knowledge. They claimed it was stated in the mail that came with the check but I saw no such statement and they are refusing to reverse the charge.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My bestbuy acct has charges that are not mine. This occurred last year in XXXX. Bestbuy didn't remove the amount from my credit card. The total amount was about {$600.00}. My card then had extra fees late fees, more interest. They ended up closing my acct. and now I am left with almost 3,000 to pay and it continues to go up every month.
Consumer complaint received 2020-05-06
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. COLLECTIONS XXXX {$520.00} COLLECTIONS XXXX {$100.00} COLLECTIONS XXXX {$59.00} COLLECTIONS XXXX {$61.00}
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My business account 's name is XXXX XXXX XXXX was closed on XX/XX/year>. I had lots of money in that account. 
Chase bank employee decided to slander my name through the branch. After I agreed to close my account on XX/XX/year>. The bank new days before an employed had slandered my name in truth lied on me!!! 
By this time I was done with Chase bank. I told them my account was to be completely closed on XX/XX/year>. They let my account stay open and it was " restricted '' according to them from the XX/XX/year>. They let an ACH of XXXX into my closed account. The branch XXXX should have locked and closed my account on XX/XX/year>. Now {$24000.00} minus {$4300.00} is being held by Chase Bank and they will not return my money. They keep saying they have a check they have a check for {$19000.00} they need to verify from the issuer the check is good. That check they are speaking of is good and not only that its drawn on their own bank account who happens to be a Chase bank I need my money ASAP!XXXX 
Chase bank is holding my money illegally. Chase by law should have immeadily returned all XXXX transactions back to XXXX XXXX XXXX by bank law and fraud protection laws. Chase bank has discriminated against my small business minority XXXX male corporation in many ways. I was not allowed to apply for a minority grant with chase bank for no apparent reason! I have record and proof of this activity by Chase bank. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-04
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. (HI)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

A company with an Unknown phone number has reached out to 2 of my family members instead of me. 

They claim I owe a credit card from years ago I called once to ask info on this and they preceeded to threaten me by telling me I am being sued and someone will come to my house The company is XXXX XXXX  XXXX and the lady 's name is XXXX XXXX They are all very rude and if they don't like what you have to say they hang up on you its so unproffesional and i will keep on complaining until they get shut down this is ridiculous Thank you
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had leased a XXXX  XXXX XXXX from Toyota Financial which ended up in a total loss and was paid off by my insurance. Toyota financial keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score.  Please update all credit bureaus balance to {$0.00}.
Consumer complaint received 2020-05-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. COLLECTIONS XXXX {$520.00} COLLECTIONS XXXX {$100.00} COLLECTIONS XXXX {$59.00} COLLECTIONS XXXX {$61.00}
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX, Centralized Executive Office of Escalated Complaints received and acknowledged my concerns regarding the deceitful and fraudulent implicit business practices the Branch Manager of local XXXX, Texas XXXX XXXX XXXX XXXX branch, attempted to use cross-selling scandal techniques after Wells Fargo is actively paying fines for this practice. XXXX XXXX along with resolution specialist apologized for the occurance but indicated the branch would not offer monetary compensation for punitive damages for loss of earning capacity.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Please delete these inquiries from my credit profile as they do not belong to me and are fraud. 

XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-05
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. (NY)

Someone got hold of my XXXX  XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (LA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

To whom it may concern, I have a Macy 's Credit Card that was current and paid in full and in good standing. In XXXX and XXXX of 2017 I missed two consecutive payments to my Macy 's Credit Card. I made my payment in full, and to my understanding when I made my full payment, Macy 's charged me prorated interests after my payment was made. So my two consecutive late payments where due to interest that was left over in the account. I was unaware of this, but when I became unaware, I quickly brought my account current.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TN)

Back in XX/XX/XXXX I closed my accounts with Wells Fargo completely. I have an email from XX/XX/XXXX stating my account ending in # XXXX had been closed effective XX/XX/XXXX. I now keep getting reoccurring emails about the balance of my account ending in # XXXX. I never had an account ending in # XXXX ONLY # XXXX. 

I never gave permission to keep an account or open a new account. I have closed all my accounts with Wells Fargo in person with local Wells Fargo branch. 

I have every email up to the present month of statements for the new account and I can provide proof of them if needed.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (FL)

Made a wire transfer from XXXX XXXX XXXX from my savings account on XX/XX/24 i have XXXXaccounts the checking savings and brokerage which they authorized then the next day they froze all XXXX accounts before reaching out to me which they say was for unusual activity called on XX/XX/XXXX took along time to get through on hold for at least XXXX minutes talked to XXXX XXXX  XXXX XXXX am he said call back at XXXX again on hold then spoke to XXXX XXXX  on hold again finally talked to the security team they asked many questions i tried to tell them this and other transactions are legit i sent them i signed letter saying so then they wanted a trusted contact i gave them that then they wanted to speak to her then i contacted they security team and me and her spoke to them again on XX/XX/XXXX to no avail they are saying something like identity theft i keep trying to tell them this is not so im retired on social security and i have XXXX figures there and i need some of that money to make ends meet most of my life savings is there and they are causing me financial hardship im am so sorry i ever put my money there i have {$190000.00} there and cant do anything cant withdrawl cant buy stock or sell cant write checks
Consumer complaint received 2020-05-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

Hello, my name is XXXX XXXX, I had a Wells Fargo credit card Acct # XXXX. This is a card that my parents has opened for me 10 years ago, and was the only item on my credit that was helping my score stay positive. Unfortunately when I changed my address on the card about a few months ago, the card was randomly closed because Wells Fargo said the account was fraudulent. Even though there was nothing indicating that it was fraudulent. I am hoping this can get resolved. I have escalated this to the highest department at Wells Fargo, but since the COVID-19, I haven't been able to get a hold of anybody. I have a child and this is hindering my ability to do anything for him. I now have ZERO credit. : (
Consumer complaint received 2020-05-05
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. 

I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not te be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.
Consumer complaint received 2024-10-18
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-12
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: U.S. BANCORP (IN)

XXXX XXXX kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with US Bank to transfer my current XXXX balance and have 0 intrest for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called US Bank card, I explained what I wanted and why and was told that because of my SSD income, my mortgage, the XXXX account, my discharged bankruptcy from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount 0 % intrest rate on balance transfers. 
This occurred between XXXX XXXX XXXX