davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NC)

I was a customer with XXXX XXXX XXXX XXXX  card for over a decade. I was never late making payments. In XXXX of XXXX, they forced customers to move to electronic payment notifications. Keeping receiving a paper bill would have resulted in a charge. Most companies are very effective with delivering electronic bill notifications, so I didn't request a paper bill - since paying for getting a bill is an unfair practice and no other company does it, in my experience. 

XXXX is extremely ineffective with delivering electronic alerts. I did not receive XXXX in XXXX, and in XXXX which resulted in delayed payments. They waived the late fee in XXXX, but are refusing to waive it for XXXX. I believe it's customer XXXX- they force customer into an e-bill, and fail to provide consistent communications so they can charge customers late fees. Then they report a customer to credit bureau. I'd like to make sure other customers are aware of these unfair and XXXX  practices.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

We leased with XXXX XXXX a 2021 XXXX for XXXX years. During our initial meeting and contract discussions they said additional insurance was a good idea for normal wear and tear during the lease. We took the policy for inside and outside of the vehicle. Further we were told that if the vehicle was in good to excellent shape no return fees would be added at end of said lease. We had a cap of XXXXyear and returned the car with under the agreement miles and earlier than the due date of contract. The salesperson at the dealership we dropped the car off said it was in emaculate condition. I had the car detailed and spotless inside and out. They said we would receive a report after they inspected the vehicle with-in XXXX days. Again I was told there would be no further charges due to the condition of the car. I paid {$300.00} to get the car detailed and cleaned. 

Well about XXXX  days later we receive a statement the car was gone over and no charges. Then we receive a bill in the mail for {$530.00} + for getting the car ready for auction and dealers fees. Which we were told would not happen, but it sure did as it turns out. I called XXXX and explained what we were told and disagreed with the billing. We held up our part of the agreement and shoud not be billed for these fees. They said well it was in your contract, I said that the sales people said it would be waived because the car was in perfect condition. Then I'm told if I lease another car from XXXX we'll waive the fees. Now I have to say I was very upset with XXXX and called again to see what was happening with my dispute. They said there was nothing they could do about the bill. 

I explained I was in NYS visiting my Daughter and wanted all correspondence to come via e-mail which they had on file. We could not get our mail with our being gone. Then I took ill and was stuck in XXXX due to a XXXX and XXXX. In the process we found XXXX had damaged my credit which was excellent prior for not paying their fees. We decided to pay the fee versus trying to fight XXXX. 

We had a great credit rating that is now damaged because of XXXX and its sales group. I trusted the word of the sales people and we got used and abused. My friend worked for XXXX for XXXX years and he was appalled at what they did to us. We were never late on XXXX payments, plus on all our other loans and obligations ZERO issues. Now we are refused a loan because of XXXX and my dispute. From STELLAR credit to POOR because we did not agree with a corupt car group and our crooked banking institutions.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the above link Citi bank did not honor the bonus after I met all criteria. I followed all instructions and requirements. I called the customer service line only to be told that no promotion is applied to my account. Many resources on the internet say that Citi Bank has not been honoring the promotion due to high number of applicants and their representatives directly share that they are instructed to push back escalate when the customer asks for the promised promotion.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company 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 MONTHS REPORTING LATE 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian decreased my credit rating by 16 points in one day. Experian maintains I have an open account with no activity. I have never had an open account that I did not use. I have no open accounts that are never used. I close an account when its paid of or I have no further use of the credit line. I filed a complaint directly with Experian and they chose not to address my concern. They unilaterally closed the dispute and I completely disagree with their bogus findings. The other two credit agencies have not reduced my credit rating. I want Experience to return the 16 points to my credit rating.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the accuracy of several hard inquiries listed on my credit report. These inquiries were made without my authorization and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. As such, I am requesting their immediate removal. 

The disputed inquiries are as follows 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 **Basis for Dispute : ** XXXX XXXX XXXX XXXX ( FCRA ) Compliance : ** XXXX. **Unauthorized Inquiries : ** Under the FCRA XXXX consumer reporting agencies are obligated to ensure that all information in a consumer 's file is permissible and authorized. The above-listed inquiries were not authorized by me, and as such, they are not permissible under the XXXX. The FCRA, XXXX XXXX. XXXX, restricts the circumstances under which consumer reporting agencies XXXX furnish a consumer report, which includes the requirement of consumer authorization for hard inquiries. 

XXXX. XXXX and XXXX : ** The FCRA, XXXX XXXX. XXXX ( b ), mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The inclusion of unauthorized inquiries directly violates this requirement and has adversely affected my XXXX XXXX and financial standing.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit 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: CITIBANK, N.A. (DE)

RE : Citi 's Response to Complaint ID # XXXX : Wayfair 's lack of response : It is quite clear in Citi 's response that the information submitted regarding the duplicate shipment activity that there may be communication issues that need clarification. Citi appears to have completely ignored the information that I sent and based their respo9nse on the feedback from Wayfair which may include incomplete documentation ; for example XXXX. Citi stated that the dispute date was XX/XX/XXXX when the actual date of dispute is XX/XX/XXXX. Citi also noted that Wayfair did not have a record of a returned order, but did not indicate whether the Fed Ex documents that I included in my first complaint along with my fax documents sent to them XXXXXX/XX/XXXX were reviewed or acknowledged. For the record, the shipment was received by Wayfair on XX/XX/XXXX. To that end, I am attaching documents that detail shipping and return activity with Fed Ex, Payment activity from my bank ( no Wayfair card should have been charged as the transaction was paid with the use of my personal bank account ) ; and most importantly any and all communication and information that explains in detail the documentation that triggered the reconciliation of the dispute ( also includes instructions from Wayfair for returning the items.
Consumer complaint received 2024-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IA)

Before XXXX I disputed the debt with H & R Accounting and then did not receive any further communication from them. Since then they have continued to apply negative marks on my credit report. I then sent XXXX offer letters and a debt validation letter this year via certified mail and still have yet to receive any communication to resolve the matter.
Consumer complaint received 2023-11-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023, notified by the company Transunion that they have received my information and my dispute letter, but unfortunately, they could not investigate it since they think it was not properly authorized by me and they think it was by a credit repair company. 
I have been dealing with the same mf issue with that Bureau for a couple of months now and I am really starting to get XXXX tf off because my RIGHTS as a consumer are being played around with. How is it within my own rights to challenge anything I think is inaccurate but there is always an issue and then I get the letter with the same response? Please find a way to fix this and help me out for real. Thank you so much.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Summary : Bank of America , N.A . rejected my fraud claim that my credit card information was used without my permission to buy prepaid cards in XXXX. I have never been to XXXX and have XXXX connections to anyone there. 

Background : I have this credit card with Bank of America for XXXX years. 

On XX/XX/year>, I noticed XXXX unauthorized transactions in my credit card statement. 

They showed up as XXXX transactions. 

XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} Total : ~ {$260.00} Upon researching what " DESCOPREPAID XXXX XXXX '' was, I discovered that these are like prepaid gift cards for Utility services in XXXX. 

https : //prepaid.desco.org.bd/ I live in New Jersey and have never been to XXXX. I have XXXX connections to anyone there. I didn't authorize these transactions and immediately reported to Bank of America for fraudulent transactions. Bank of America temporarily refunded me {$260.00} and sent me new credit cards the following week. 

On XX/XX/year>. Bank of America denied my fraud claim and charged me {$260.00} for what were clearly fraud transactions. I am now afraid to have this credit card from Bank of America in my possession because it becomes a liability when I am a victim of fraud, and Bank of America would still force me to be liable for it. This is unacceptable for any consumer. As a result, I'd like to complain about this unethical behavior formally and indicate that Bank of America is operating like a fraudulent bank. 

Claim Information with Bank of America : Claim number : XXXX Credit Card Accounting Ending : XXXX Total Amount : {$260.00} Date : XX/XX/year> 2024
Consumer complaint received 2018-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I Want For Chase To Remove any Fraud Checking Accounts That Where Open With My Social Security And To Allow Me To Open a New Account In The Future. if there any Money that has to Be Paid Back Am Willing To Make Payment To Those Accounts if Chase Allow Me This Chance is Still Showing My XXXX XXXX Reports Showing On My Consumer Report I Want them to remove this account from My Consumer Report i Never Open Any Accounts from Chase So Please Remove this Fraud account I Never Open From Chase and I Never gave Chase Permission to Open this account please fix this problem..
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was completely taken aback this morning when I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I checked it like I usually do, but this time, there were glaring discrepancies. I even refreshed my browser, hoping it was a temporary issue, but nothing changed. Because of this, Im requesting that the documents Ive submitted be carefully examined so that I can stop worrying about this once and for all.
Consumer complaint received 2024-10-07
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: Consumer Portfolio Services, Inc. (WV)

Back in XXXX of 2024, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-08-28
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-09
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year> XXXX looked at my Equifax report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-04
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)

XXXX XXXXXXXX credit card is reporting # XXXX ..... 

to XXXX last payment to a credit card in the amount of {$740.00} last payment date to a card not mine on XXXX and reporting to Eqifax last payment date to the same card {$740.00} on a completly different date of XXXX and XXXX delete it off my report completyl and i want this deleted off all my credit reports asap...
Consumer complaint received 2024-08-04
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.