davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC (MI)

disaster opening an online checking. please listen to all calls from XXXX XX/XX/XXXX and XX/XX/XXXX got confirmation my account was opened successfully. it wasnt. told i needed to sign a signature card and an email was sent to me. had to go into some type of " status center '' there was no signature card enclosed. reached an XXXX XXXX XXXX id no. she researched it and promised a call back after her meeting and ghosted me. then she wasn't this bank takes your money, tells you you successfully opened an account and never tells you differently. there are no error messages for beneficiary information which XXXX said wasn't input correctly .... yet they take the money and tell you everything was successful. it is fraud. required hours of follow up and managers don't know and understand. 
took my {$50.00} required and never told me the account wasn't opened. now they can't tell me when i get my money back. if i hadn't called, i would have never heard. 

this is a bank that was nationally hacked and their website is fraught with problems as well as their ethics.
Consumer complaint received 2024-06-07
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 XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX 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 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

In XXXX Wells Fargo was contacted to file a claim for a credit card benefit on an account that turned out to established under mis-information provided by the bank. 

The claim was rejected as a result of having a debit card issued by the bank as opposed to the the requested credit card. Although I requested a credit card, the Wells Fargo banker insisted I take a debit card and indicated that all the benefits on the credit card were applicable to the debit card. Upon making a first claim seven years later the claim was declined as the benefit was only applicable to the credit card. 

A follow up was send to the CFPB under case number # XXXX. 

The case was purportedly investigated, denied and closed by the bank and they informed me in writing that the results of their investigation could not be shared. 

So far the Wells Fargo has transferred me to about a dozen individuals and different divisions in the Executive Office call center. All that has been offered is the opportunity to ( now ) apply for a credit card and nothing regarding the card benefit to provide mobile phone repairs. I am seeking the {$270.00} for repair of the phone I was also informed in the past two weeks that the Visa logo on the debit card does not have any significance other than branding. I found this to be mis-leading and supports my contention that the Wells Fargo employee did not understand the features of the card that was not requested yet ordered. 

It is now being requested that the CFPB review the complaint process used by Wells Fargo as it could amount to stonewalling by virtue of investigative results that will not be shared and the use of a Visa logo. The net result is to receive the benefits as informed by a Wells Fargo and payment of {$270.00} to repair a phone where the monthly cell provider has billed the credit/debit card for over seven years, a requirement of the benefit. 

Thank you
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (OH)

All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/year> I noticed that my minimum payment was {$210.00}. At that time I was paying {$300.00} per month. Around XXXX the minimum payment went up to {$260.00} although I didn't see it, and I didn't pay attention to it as I had not used the card in several months so I just presumed the minimum payment was the same. When I called to say that I didn't realize the minimum and payment went up and could they waive the late fee that were very evasive. The customer service rep also demanded that I pay {$300.00} on the spot although I kept saying that I'd already paid {$220.00} and I was under the minimum {$40.00}. Why pay {$300.00} when I could just pay the additional {$40.00} to get caught up? What I also objecti to is that they act like you're some kind of criminal or habitual nonpayment type person. I pay every month automatically from my account and whenever this happens and the minimum payment increases XXXX always get caught Another complaint I have is that they often times have the minimum payment due on a Sunday and as my bank doesn't transfer on weekends, it arrives there on Monday and I incur a late fee. I don't think that is fair or correct to the consumer to have a minimum due date on a Saturday or Sunday. I didn't get a straight answer as to why my minimum payment went up from XXXX to XXXX. I think it's totally unfair that a person constantly paying on time can not have a waiver of the late fee Or that they can be a little sympathetic to the fact that a mistake was made. 


I am also finding that many other companies are sending text messages and XXXX reminders to consumers. Synchrony bank needs to do the same. With this particular care credit card they only send XXXX email and often times that can get lost in the Multiple emails that get per day
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

I have a PayPal account. a credit card account was opened without my knowledge or consent. Synchrony Bank is their fiscal intermediary. In XX/XX/year> the auto-pay did not work. I was charged {$41.00} late fees plus interest. I can not ascertain the purchases charged. I have asked for the charges that are in dispute. I have informed them that I never opened a credit card. The auto- pay function worked in XXXX and failed again in XXXX. These are IT failures- I have funds and can prove it. I was charged the {$41.00} late fee again. Then this credit card was closed but I was not informed beforehand. This damages my credit scores. Charges are made on this card after it is closed. They are not mine - thus my initial request for the disputed charges. I used debit PayPal and pay my charges as they are made. On a promotional basis I have used a credit model to buy something without interest. The reason for the auto pay. PayPal is now charging for the credit balance in XX/XX/year>, charges a late fee of $ 41 monthly and charges interest ( unknown percentage rate ) on the sum. It is approaching XXXX. I have informed them I am victim of XXXX hack. I have tried to resolve this but PayPal reps consistently drop my calls.
Consumer complaint received 2024-06-07
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. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

The following Cease and Desist letter to stop communication for a debt that has already been forgiven from WELTMAN, WEINBERG & REIS CO., LPA debt collection. 
Attached to this compliant regarding the debt collection from XXXX XXXX XXXX you will find my Copy B form. Specifcally from the IRS, as iv recieved from XXXX XXXX XXXX XXXX XXXX CEO that is to be reflected and XXXX out immediately. Amount of {$20000.00} as it shown on my 1099C-Cancelation of Debt. As a debt collection WELTMAN, WEINBERG & REIS CO., LPA to stop all attempts and forms of contact as refrenced in my Cease and Dessit letter as well as the removal of this debt that has been taken care of already by the IRS.
Consumer complaint received 2024-05-24
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: SYNCHRONY FINANCIAL (TN)

XXXX I am disputing the purchase of a XXXX XXXX machine that was put on my XXXXXXXX XXXX and more cards on XX/XX/2023 for the amount of XXXX. They sold me a defective machine and I still do not have an operating machine ( which I filed a dispute on both accounts and Synchrony found with XXXX side ) I have found out some additional information on these XXXX accounts with XXXX. While trying to get an answer to my disputes on Synchrony card I found my information was hidden, a phone representative helped me to get that information in my online account. When I got to the information, I found a letter they had posted that my credit increase was declined on XXXX for to much outstanding debt. Then XXXX applied for the credit increase again and got me approved for the credit on XXXX. But I found in my online account information that my income was {$4000.00} over the income I submitted to XXXX for the application. I asked how that amount was put in and the representative told me by whoever did the application. I have several accounts with the same bank, and they have the amounts I reported at time of application. I do not understand how XXXX was able to get not only a credit increase when it had been declined a day earlier on my account but was able to also approve a new account to be opened of {$9000.00}. I feel they falsified my actual income by doubling it. I could not get any more information from Synchrony Bank on this. I asked for the electronic application XXXX submitted but was refused. I feel like this was done by XXXX to get me approved. I reported my correct income to XXXX as you can see, the application I signed ; if my income was reported to the credit application as {$7500.00} per month it would represent fraud of my income. I feel Synchrony should investigate this problem with XXXX providing false information. I was told from a XXXX employee that a salesperson was fired at XXXX XXXX XXXX for falsely reporting income on applications and was caught by a mystery shopper. I feel they did this because they knew that Synchrony would find the dispute of the transaction in favor of them and not the customer. I am still with a non-functional machine that I have been making payments on for 11 months and XXXX wont come to a solution because they got their money from Synchrony and know I am stuck with the bill and a non-working machine. There are XXXX XXXX XXXX  more card accounts and they split the transaction between the XXXX, but this will only allow me to enter XXXX card number
Consumer complaint received 2024-05-20
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. (CA)

I am the victim of identity theft, and did not authorize opening the XXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX  keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX  but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.
Consumer complaint received 2024-06-07
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 am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-22
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: SYNCHRONY FINANCIAL (IN)

I received a lawsuit in the mail- I immediately contacted the company - they stated debt was from PayPal credit card from XXXX  - I contacted XXXX as I didnt have a credit card attached and did not owe them almost XXXX  XXXX - XXXX asked the lady from the debt collection company for more information and she said- I guess you need a lawyer, huh?
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2015 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-12-02
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.