davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (WI)

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I am writing to formally dispute unauthorized charges and subsequent fees imposed by Barclays Bank on my credit card account. Despite having paid off my account balance in full, amounting to {$17000.00}, on XX/XX/2023, and receiving confirmation from the company that my account was XXXX XXXX XXXX XXXX '' there have been irregularities in subsequent statements that I believe are unjust and require immediate attention. 

Specifically, after settling my account, Barclays Bank levied a minimal charge of {$0.00} and {$0.00} as a " minimum charge fee. '' This fee was not only inappropriate, given that my account was already cleared, but also seems to have been added illegally. Subsequently, the company imposed late fees on this minor charge for XXXX consecutive billing cycles ( XXXX and XXXX ), which appeared on my XX/XX/2023 statement. These additional charges, including late fees and interest, were not related to XXXX XXXX  purchases but were instead linked to the original, unauthorized charge of {$0.00} and {$0.00}. 

Moreover, in XXXX, an additional fee of {$40.00} was added to my account. This fee appears to stem from the initial wrongful charge of {$0.00} and the subsequent late fees, creating a snowball effect of unwarranted charges on an account that was already confirmed as paid in full. 

I contend that these charges are not only unfounded but also represent a concerning practice of imposing fees on a XXXX XXXX. I request a thorough investigation into these charges and immediate corrective action, including the reversal of all unauthorized fees and adjustments to my account to reflect its actual XXXX  status. 

Thank you for your attention to this matter. I await your prompt response and resolution.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Equifax : XXXX XXXX XXXX/ XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX/ XXXX XXXX # XXXX ; XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX/ XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 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  XXXX, VA XXXX. 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (GA)

I have sent numerous certified letters requesting debt verification and validation. This is not my account. I called Transworld and they reported that last transaction was in 2012. I requested a copy of signatures on receipts. I have received threats from agents of transworld Systems Inc that I had a warrant for my arrest if I dont pay them. I receive calls from XXXX to XXXX XXXX .. Im currently seeing a XXXX due to transworld Systems harassment.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

Talked to US Bank Agent on the phone XX/XX/year>. Stated the 0 % APR period ended on the XX/XX/XXXX statement and That I would have had to make a full payment on XX/XX/XXXX. Fully payment to pay off the amount was made on XX/XX/XXXX, well before XX/XX/year>. She told me to hold on and she was going to check and proceed to tell me That full payment was due XX/XX/year>? I stated if the 0 % APR period ended on the statement close date of XX/XX/year> That full payment would be due on the cycle of XX/XX/year> thru XX/XX/year>. 

The rep even stated that I had to make a full payment on XX/XX/year>. The charge is not valid and the interest should be removed,
Consumer complaint received 2023-11-24
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (SC)

I had a credit account with Amazon I closed it because Synchronic was charging me too much fee even though I paid extra to my account every time I paid it. Last XXXX I called Synchronic and requested that the account be closed and paid the balance which was over {$800.00}. Two months later, this month I received a bill from Synchronic stating that I owe the bank. I don't owe Synchronic not even a XXXX because I paid the balance in full and requested that the card be closed. This has been very stressful, Synchronic charged me every time I had a late payment of {$40.00} penalties. I need help, please.
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I purchased an American Express giftcard in the amount of {$120.00} from my local XXXX. The card was activated by XXXX when I purchased it. The giftcard was then attempted to be used at multiple stores such as XXXX ( the same one i purchased the gift card from ) and XXXX XXXX. As well as multiple gas stations and on XXXX. At all of these locations the card was declined. I checked the balance online and saw that XXXX cents was taken out of my balance everytime we tried to use the card. I called customer service multiple times to which I was advised to just keep trying different locations until it works and repeatedly denied information as to what stores and sites the card would work at. I was then told the card was not eligible for a refund. I have now spent {$120.00} on a gift card that seemingly can not be used anywhere. All the vendor offered was to issue a replacement card which seems useless as the card is activated and working properly but just not accepted anywhere. This whole thing seems like a scam and I would like to receive compensation for at least the amount taken out of my account to purchase the gift card.
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I have multiple American Express Gift Cards that do no work with online retailers. The balance on each of these gift cards far exceed the purchase I am trying to make. I have tried several of my gift cards with multiple online retailers and they get declined. If I use my credit card the purchases work fine.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I been applied for credit cards and I see that someone had already had credits cards in my name using my social security number.. I was renting out a room so I honestly have no idea who could have done so
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc ()

To Whom It May Concern at the Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against PayPal, a service I have utilized for four years without any prior issues. However, about 20 days ago, I experienced a significant and distressing problem : PayPal permanently restricted my account without any clear explanation. 

This abrupt account restriction has left me unable to access my funds and receive payments, which has had a considerable impact on my financial transactions, as PayPal is my primary means of receiving payments. 

Despite my attempts to contact PayPal for clarification and resolution, the responses have been largely unhelpful and dismissive. The lack of transparency and communication from PayPal regarding this issue is concerning and has caused me significant inconvenience and stress. 

I am seeking the CFPB 's assistance in addressing this matter with PayPal. I wish to understand the reason behind the sudden restriction of my account and hope to find a resolution that reinstates my access or at least provides a clear explanation of the actions taken against my account. 

Please find the relevant details below : PayPal Email : XXXX Reference ID : XXXX I appreciate your attention to this matter and look forward to your support in resolving this issue with PayPal. 

Sincerely,
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-12-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a {$1000.00} prepaid giftcard with American Express. I have tried to used the card at multiple sites online, and my card keeps getting declined at every single site, with pending charges of {$0.00} with these merchants with takes around a week to go away. The card even gets declined at big retailers such as XXXX I think it is absolutely useless to have this much money in a gift card for it to be declined everywhere. I would like my money back.
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I applied for consumer credit to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX. and was denied access to my credit. this is discrimination under 12 CFR 1002. also I was also informed in order to get approved, a down payment of {$40000.00} was required. In accordance with Title15 USC 1605, fiance charge is the sum of all charges and does not require a cash equivalent. In a consumer credit transactionI the property will be used by the natural person for personal family and household use. 15 USC 1602, I have a rite to credit. withholding my access to my securities is securities fraud and is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Filed a claim about a crypto-currency exchange called XXXX XXXX  was taken out of my account without my acknowledgement, Wells Fargo puts provisional credit. The first transaction was a dispute because i have never received the funds while the other ones ocurred without my consent/me so i filed a claim for unauthorized transactions on my account. 
Wells fargo after approximately 2 weeks takes the money out of my account with no notice, leaves me on -310 on my birthday, keep in mind im still waiting for my debit card that never arrived after i filed the claim which underlies the nature of the claim. 
Keep calling, placed on 1 hour time, every time i call someone he tells me a different story. They exceed the call review time and when i ask the people on the phone they keep giving me false dates and that the call review was initiated on the XXXX while it was on the XXXX XXXX. 
I keep calling and calling, after that they said that they looked at the calls, keep in mind that the first employee said they have no notes on there. 
To resume, i did a dispute of 200 dollars of undelivered goods, after that i find that the merchant has completely emptied my card, i call wells fargo, they change my card, after a few weeks, they take money out of my account with litterally no notice, leaving my without money to feed myself or my children on my birthday XXXX XXXX. The reason why the claim was denied was because they said they didnt have dispute rights, which is acceptable but i did not dispute 200dollars of those transactions, i know what i did, wells fargo wasted my time and money and energy and left my kids hungry, and on top of that lies about my statements, i would like to retrieve my money because i feel like they took it to themselves and did not even give it to the merchant I will be making a supine, i feel discriminated and i never thought i would be treated this way by a financial institution this well known. 
As im writing these words my stomach is gurgling of hunger because of wells fargo but their greed took over everything.