davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MT)

I ordered a refrigerator from XXXX, but was notified that it was out of stock, to order a different one. I found another for XXXX. It was delivered and I put it into a XXXX XXXX XXXX XXXX. The next month on XXXX my citibank app suggested to put my purchase onto a XXXX XXXX. I thought I made a mistake and put it into XXXX XXXX # XXXX. This amount was XXXX. Citibank readded the canceled refrigerator onto my card as XXXX XXXX XXXX. It never left the warehouse! I was paying for 2 refrigerators. I canceled XXXX XXXX and it was canceled from XXXX but the balance of XXXX was added back onto my standard purchases. I had made 3 payments of {$110.00}. I have made at least 25 call and written a certified letter. I escalated my complaint in XX/XX/XXXX. They sent it to an analyst in SD. XXXX added my purchases and fees from XX/XX/XXXX to XX/XX/XXXX. It was {$22000.00}. My payments and credits were {$21000.00}. Balance XXXX proving I was overcharged by {$1200.00}. My bill showed a ballace due of {$2200.00}. Citibank won't respond or give written explanation.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

I filed the dispute in regards to a XXXX XXXX XXXX claim once it was realized that the services had been misrepresented to what they were covering. I opened up this dispute with Discover card and provided them documentations from the Arizona Attorney General in regards to their attempt to resolve fraudulent actions by company XXXX XXXX XXXX. I filed the complaint as a misrepresentation of goods and services. Discover on at least two occasions changed that reasoning which made it almost impossible for me to proceed legitimately to defend myself or provide documentations about the reasoning codes that they had changed it to.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

I am writing to you today regarding an issue I have been having with Lexi Nexis. I had a number of items removed from my report and requested an updated report. However, my request was ignored. 

I then filed a CFPB complaint, and the company lied in their response, stating that they would send me an updated report but never did. I received a call from the company, and they verified my address and said they would send the report, but again, they never did. 

I am very frustrated by this situation and would appreciate your assistance in resolving it. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Job History on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, which I obtained on XX/XX/year> received my report. The report contains erroneous listings regarding my employment history, showing inaccurate jobs, XXXX XXXX XXXX, XXXX XXXX XXXX. These are not my former jobs. I work for XXXX XXXX XXXX XXXX. 


I have attached a copy of my XXXX with my address on it as a supporting document that verify my actual employment history. 

I request that you investigate this matter and correct my credit report accordingly. Please provide me with a written/email response confirming the findings of your investigation and any changes made to my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: DISCOVER BANK (MI)

ATM dispute with Discover bank that I didnt authorize because I lost my wallet they denied it and I asked them if they pulled the cameras they said no how do I prove to them that it wasnt me they could cameras!! Not sure they judge me by my race or the way my name is but its unfair because I always have a problem filing a dispute with Discover. This is {$400.00}. Were talking about.
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years.

Knowingly reported incorrect information to the credit agencies.

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

I had a reservation through XXXX XXXX XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. My flight was delayed therefore I arrived at the XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX. Upon arrival I was met with a letter on the door stating the water would be shut off for two days during the reservation, after entering the XXXX XXXX XXXX XXXX I was flabbergasted and appalled by what I discovered. The property looked NOTHNG like the pictures, there was mounds of dust and soot on the fans around the AC, food stains on table and counter, drinks and food dried up in the fridge, hair on the linens, dryer open with towels hanging out and hair, paint chipping on every wall, XXXX marks, XXXX stains on the walls, the bathrooms had hair, crusty shower heads, the place hadnt been cleaned in MONTHS! I had my newborn baby with me. I immediately contacted XXXX XXXX XXXX XXXX and advised I would be leaving as soon as I booked my hotel, and the reservation is accommodated. I left the XXXX XXXX XXXX XXXX at XXXX XX/XX/XXXX. 

I attempted serval times to contact the Host of the XXXX XXXX XXXX XXXX to request a refund. The host never responded. I contacted XXXX XXXX XXXX XXXX they kept saying they were investigating. I sent pictures. Documentation I left. Air B XXXX B then claimed they would give me some money back and the rest would come from the host. I received XXXX credits from XXXX b XXXX B however the reservation cost is XXXX. After no response from host or XXXX XXXX XXXX XXXX I contact Navy Federal. Credit Union. I provided the documentation as well as proof I got hotel the same day.

Navy federal credited the money back to me. Sent me a letter stating they were still investigating the claim for XXXX. Then they came back and add the money back to my account. Stating they did all they could do to resolve the issues, and they could do nothing else. 

I contact XXXX XXXX XXXX XXXX, and they are stating the bank initiated a charge back so now it on the bank. 

I called Navy Federal the stated they just needed additional information I logged into the portal to upload, and the system said I had no claim When I messaged Navy Federal, they stated again they could do nothing, I was given the wrong information my the representative and there is nothing they can do The bank holds my money, and they are running me around in circles, lying, and not protecting me as a consumer. 

I want Navy Federal held accountable for not doing their due diligence to return my money to me after I was scammed. I also want my money back since I was unable to use the reservation.
Consumer complaint received 2024-08-08
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: KEYCORP (CA)

XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX in Compliance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX Account XXXX Reported 30 days late. 
XXXX I was a victim of identity theft in XX/XX/XXXX. My chequeing account number was being used for unauthorized ACH transactions. My funds were frozen in XXXX and XXXX. Key Bank was notified but they didn't care.

The credit bureaus listed REFUSED to contact Key Bank and complete a valid investigation of the series of events. 
The Credit Bureaus have REFUSED to add my own XXXX word statement on my credit report. 
XXXX froze my credit report XX/XX/XXXX WITHOUT MY CONSENT OR REQUEST. 

COMPLAINT : XXXX  NONCOMPLIANCE OF THE FAIR CREDIT REPORTING ACT. 

Bank with breached account : XXXX XXXX Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX  : XXXX ( breached account, present account has new number )
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (IN)

VALIDATION AND CEASE AND DESIST Collection agency name : Knight Adjustment Bureau Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX, XXXX, IN XXXX Dear Knight Adjustment Bureau I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XX/XX/XXXX XXXX XXXX said she works for XXXX and the number is XXXX. She called from an unknown number stating she's about to serve me some paperwork. I called the number from the company she said who was sending me the documents. The company she gave me was XXXX XXXX, it's actually XXXX XXXX XXXX at XXXX. The man that answered the phone has threatened to take me to court. They have called my spouse. Last week the company that was harrassing me was XXXX XXXX XXXX at XXXX. I've had to take my anxiety medicine due to the stress these companies are giving me. I paid this debt with HSBC in XXXX. I've contacted both HSBC and XXXX XXXX and they have nothing in their files showing I owe a debt.
Consumer complaint received 2024-09-20
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: DISCOVER BANK (OK)

Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. Discover Internet Payment Confirmation, XX/XX/XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XX/XX/XXXX to Pay XX/XX/XXXX Discover Never Processed Payment. 

Discover reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XX/XX/XXXX with no issue. This time Discover did not remove my internet payment. Payments have not been removed since.

All I ask is Discover remove the 30day late remark against my personal credit reporting since they are the ones responsible for this error.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I was informed by XXXX XXXX via chat that my Synchrony XXXX XXXX account was closed without my request or approval on XX/XX/XXXX. I was told that I would receive a letter in the mail stating the reason. Unfortunately, I did not receive this letter. 

On XX/XX/XXXX, I called and was transferred to XXXX XXXX ( ID XXXX ). He was polite, patient and made a sincere effort to understand my situation and find a means to address it. He first saw to it that I would gain access to a digital copy of the letter dated XX/XX/XXXX. He also submitted a message to your back office to reevaluate my account. He did mention that the decision was made based on credit bureau reporting, payment history and buy patterns. 

On XX/XX/XXXX, I gained access to the digital copy of the letter dated XX/XX/XXXX. It stated the reason for the decision to close my account as XXXX and unusual purchase history on your credit account that Synchrony deems XXXX be indicative of future intention not to pay. 

As a response to my XX/XX/XXXX call and the associated message submitted to the back office by XXXX XXXX, I received a physical letter [ Proc ID : XXXX ] dated XX/XX/XXXX from Synchrony Bank Customer Service Department. The letter confirmed that the closure was due to unusual payment or purchase activities on an account... 

My Synchrony XXXX XXXX credit card account was opened back on XX/XX/XXXX. Over the course of this accounts history, I have on several occasions generated similar payment and purchase activities without any actions taken by or communication provided by Synchrony. These purchases were approved, my payments toward these purchases were processed and my credit limit was restored without issue. Furthermore, I have never made a late payment during the entire history of my Synchrony XXXX XXXX or for any other credit card, loan or payment plan over the entirety of my credit report history. All of my credit reports are free of late payments, unpaid debts or collections since inception. 

If Synchrony Banks concern was of my potential intention not to pay, Synchrony could have elected to drastically reduce my credit limit to a modest sum to effectively address a perceived credit risk, all the while maintaining my account as active. 

According to the XX/XX/XXXX statement, XXXX Reward Points were earned during the last cycle on XXXX spend and XXXX Reward Points were pending from the previous cycle. 

Given the abrupt and blunt action taken by Synchrony Bank, I can not help but consider that I have been taken advantage of. Just as I had accrued a total of XXXX XXXX Rewards Points ( equivalent to {$2400.00} in purchases on XXXX ) and were soon to be credited, my account was closed.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

I began receiving statements from Marcus by Goldman Sachs. I called Goldman Sachs on XX/XX/year> to inquire about the accounts and I was told 4 accounts had been opened dating back to XX/XX/year>. All had zero balances. As soon as I told them that I did not open the accounts, though they were being mailed to my address and in my name, they said they could not give me any further information until I mailed them a report from IDTheft.gov and from the police. I asked if they could " verify '' me ( aka confirm my SSN ) to give me that information and they said they could give me no further information. I asked if they could confirm the accounts would be closed and they said they could not even tell me that because I had stated I did not open the accounts. 

The police can not give me a report. They can only provide an " info statement ''. I have to wait two weeks to obtain this.
Consumer complaint received 2024-06-20
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>