davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/15 I tried to make a purchase with XXXX XXXX for {$23.00} with my Bluebird card. The purchase was declined. I did not have enough funds for the purchase. I adjusted my cart and tried to make a purchase within the amount of funds that I have. Bluebird put a hold on my funds for {$17.00} ( all the funds in the account ) saying XXXX XXXX has my funds in a hold status. I did not make or try to make a purchase from XXXX XXXX for that amount. I called XXXX XXXX and was told there was no hold put on my account for any amount by XXXX XXXX 

I called Bluebird and they said there is nothing they can do and my funds would be held for up to 30 days. 

Bluebird has done this two other times saying that vendors put holds on my account for transactions for bogus amounts, but when contacting the vendor there was no charge or hold put on my account for the amounts that were held. 

In XXXX there was a charge with XXXX XXXX. The room charge and the deposit were released the day we checked out. Bluebird held {$70.00} for thirty days. The agent XXXX at the XXXX XXXX investigated and contacted Bluebird. XXXX did not hold or charge my account for the amount that was held. The monies were reversed in XXXX 30 days later. 

In XXXX Bluebird did it again with a charge with XXXX XXXXXXXX XXXX holding {$57.00} which was not the amount of the room charge or the amount of deposit/incidentals. Again Bluebird said XXXX XXXX had the funds in hold status. After contacting XXXX XXXX there was no charge or hold on my account for that amount. All holds for deposits had been released at the time of checkout. All room charges had been released on the day of check in. 

Bluebird has a pattern of submitting bogus charges that were not originated or held by vendors I am doing business with, and holding the funds for 30 days. They are deceptive in their practices and explanations as they are unyielding when requests for the funds to be released are made. These are all bogus transactions.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked at my credit report on, XX/XX/year>, and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX is not complete and accurate. I also did not received a debt validation letter within 30 days as requested and promised and according to the fair debt collection practicing act and under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct and date reported is not accurate. Also I have didnt receive a debt validation letter within 30 days
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I consider the account to be invalid. CITIBANK , N.A . must verify under oath that this claim is legitimate, free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Additionally, the alleged account should have been transferred in good faith with the consent of all parties involved. If they can not provide this sworn verification, I request the account be removed from my credit record and their records.Citicard XXXX, XXXX and XXXX.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB (ME)

On XXXX I received XXXX notices for XXXX purchases I did not make. I first started a chat with Klarna with a person name XXXX who told me to contact my bank freeze my account and change the passcode which Klarna took no responsibility to help me with these bogus charges. I then decided to find a phone number for Klarna which is almost impossible but I found one and called and spoke to a woman with a heavy accent so I don't have her name. She said I was calling XXXX. She too wasn't much help and pacified me telling me the charges PROBABLY won't go thru and that I should stop worrying. She also told me to call the merchants which I had called even before I was told. XXXX. XXXX first fraudulent purchase for XXXX I called and they answered the call as XXXX XXXX The woman told me they have no way of finding out who made the charge ( hard to believe ) I then called XXXX XXXX XXXX XXXX in California the XXXX location. I spoke to a young man who got his XXXX on the phone and he told me he would need the location and maybe he could help but I can't find the location because there are too many to research Here are the fraudulent charges XXXX XXXX on XX/XX/year> @ XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/year> @ XXXX XXXX  Amount XXXX XXXX. XXXX XXXX on XX/XX/year> @ XXXX XXXX  Amount XXXX I froze my card I reported fraud thru the klarna app and now headed to my bank to report this crime. I live in Maine and these bogus charges were from XXXX XXXX and XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, 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 2024-06-14
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (IL)

I took out a personal loan through US Bank at an annual 10.99 % interest rate over 36 months. US Banks sent over a contract which I signed to complete the loan approval process. What US Bank failed to mention and what is not listed in the contract is the daily bank fee which is determined based on the size of the loan and annual % rate. The first month the daily rate was {$2.00} and now it's {$2.00} this month. This additional bank fee was never stipulated in the contract. I contacted US Bank to communicate the mistake and was rerouted three times before being connected to the loan department where I was connected to a supervisor. The first supervisor was talking over me and raising her voice to the point where I had to ask her to lower her voice. She proceeded to talk over me at which I asked to be connected to another supervisor as she was still rude. I was transferred to another supervisor who was explaining the interest rates again which I understood, however, nowhere in the contract does it stipulate any reasoning or breakdowns of daily interest charges that US Bank will take on top of the interest they're already earning if it takes me the full 36 months to pay off the loan. I explained that knowing how loans work based on hearsay is completely different than indicating that point by point in a legal document. The supervisor couldn't find anything in the contract that explains the daily interest and attempted to depute the request from their system. The supervisor said she would send the amortization schedule so I'm waiting on that. The dispute here is regarding the misleading language in the contract along with the refusal to explain or even indicate a daily interest charge.
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NC)

I have reported all of this to the XXXX credit agencies, my local police, and contacted the debt collectors listed below. Obviously, I feel that this should all be immediately remedied without tons of action on my part. I have spent the entire day attempting to fix this. Any help moving this along would be appreciated. 
I am waiting on the finalized police report to send them my proof of residence and the report. 

The XXXX accounts and all the details I have are below : XXXX - Debt Collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX. XXXX TX, XXXX Dollar Amount : {$490.00} Company - XXXX XXXX Date of Service : XX/XX/XXXX - XX/XX/XXXX XXXX - Transworld Systems - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$390.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dollar Amount : {$360.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$290.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and Ashely furniture store synchrony bank. Creditor is confusing consumers. 
Account ending n XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXX XXXX this previously. 
Also, in collections, so the balance should say 0 with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my Equifax credit report. And Equifax has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that Equifax either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit report
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

I received a notification on my credit report from Sequium Asset Solutions indicating that I owed a debt of {$670.00}. This came as a surprise since I have not opened or used a XXXX XXXX account, nor have I received any services from them. 
Details of the Fraudulent Activity : XXXX. Unauthorized Account Opening : o I did not authorize the opening of any account with XXXX XXXX. 
o There was no consent given for any services or plans under my name. 
XXXX. No Services Rendered : o I have never utilized any mobile services from XXXX XXXX. 
o XXXX XXXX cards, devices, or service agreements have been received or signed by me. 
XXXX. Billing and Statements : o The statements I received list charges for services that I did not use. 
o There are charges for data, calls, and messages that do not correspond with my usage patterns. 
XXXX. Contact with XXXX XXXX : o I have contacted XXXX XXXX 's customer service multiple times to resolve this issue. 
o Despite providing evidence and stating that I did not open the account, the company insists that the debt is valid. 
5. Credit Impact : o This fraudulent debt has negatively impacted my credit score. 
o I have been subjected to stress and inconvenience due to collection calls and letters.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for Unemployment benefits in XXXX of XXXX. A debit card from Bank of America was supposed to be mailed to me then but I never received one. In XX/XX/XXXX my EDD account was temporarily disqualified due to an Identification issue. At the time I didnt have a valid drivers license so it took me a while to verify my self. By XX/XX/XXXX after going through all the hoops and hurtles with EDD my I.D . Was verified and I was able to receive benefits. Upon receiving my first benefits in XXXX of XXXX in check form I was informed that a debit card was sent out in XXXX and I certified for benefits on there and EDD paid Bank of America and from now on my benefits would be paid out in checks. They said I need to contact Bank of America about the money that was put on the card in XXXX I never received. I sat on the phone for hours with Bank of America prepaid and with EDD trying to get this resolved. On one end Bank of America says there is still a block on my account due to my sponsor ( EDD ) and I have to have them lift it. When I speak to EDD they claim theyve reached out multiple times. It nothing has changed. It was {$13000.00} deposited on the debit card to be exact that I never had access to, and this had been going on since XXXX.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I was a victim of identity theft. The person responsible for the identity theft opened vehicle loans, checking accounts, credit cards, had his photo with my information on drivers license, leases, and many other things. This identity theft took place for multiple years until the person was finally arrested in 2013. 

I hired a credit repair company after this person was arrested and most of the fraudulent debts have been corrected. However, even though this person was found, arrested, and sent to prison for stealing my identity, Discover insists this debt is mine and I'm responsible for it. 

I recently found out there is a judgement against me in XXXX XXXX, TX. I sent all the police reports, arrest records, and the identity thief 's information to the Attorney ( XXXX XXXX XXXX ) however they say the judgement is valid and are attempting to freeze my bank accounts.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I had added money on to my PayPal account on XX/XX/year> and been having issues using my money as well as withdrawing my money. I was told the system activated a restriction on to my account due to me updating information on my PayPal account which at first I did understand that there are security measures that needed to be taken to ensure my money is safe so I was told to try 24 hours later now the following day I did and it kept declining my withdrawal transfer to my debit card for whatever unknown reasons so I call and they informed me the system activated another restriction on my account. So PayPal representative asks me a few questions to try and get me verified which for one none of the questions had anything to do with me and each time I call it's always the same verification question now 2 representatives said they couldn't verify me but one said he did. What I don't understand is how the other 2 couldn't verify me but one did with the same exact questions now Ive been frustrated because I really do need my funds I've asked multiple times what else other than there security questions could I do to verify I'm me and all they say that there is nothing else what i don't understand is how they can put a restriction on my money for so long with other options to get verified then they are doing unauthorized charges to my debit card that I never authorized them to do and they said they need to verify my card. I never gave them permission to charge my card and they're are holding my money when I've asked numerous times to release and they are not helping or listening to me please help resolve this thank you
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MS)

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management keeps trying to put this debt which is oldr than 10 years on my credit bureau report to ruin my credit. Midland Credit Management is sabatoging my credit and trying to reduce my XXXX  score and credit history. They should be put out of business for these tactics.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.