davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (VA)

In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy.

15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A PERSON CALLED ME AND TOLD ME THAT MY NAME IS IN THE RESIDENCE PROCESS BECAUSE I HAVE MY XXXX  IN COURT, AT THE SAME TIME I ASKED A XXXX XXXX TRANSLATOR AND THEY SENT ME AN EMAIL TO CONFIRM IF IT WAS ME, I CONFIRMED, AND THEN THEY SENT ME A FORM TO FILL OUT XXXX XXXXXXXX FOR XXXX XXXX, THEY MADE ME TRANSFER XXXX DOLLARS TO THEM AND THEN, THEY TOLD ME IT WASN'T XXXX XXXX, IT WAS A XXXX  MAN USING THE XXXX XXXX, I CALLED THE BANK TO TRY TO MAKE A REPORT BUT THEY DIDN'T HELP ME, THEY HAVE THE PERSON 'S NAME THEY HAVE ALL THE INFORMATION ABOUT HIM, BUT NO BODY CAN DO NOTHING. 
If an email was used in this incident, please.. 
XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX other number using for financial department XXXX. Email used for XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/year>, I was given the option to apply for a Carnival XXXX XXXX XXXX  card via Barclays Card Services. My XXXX  didn't qualify because my XXXX  was taking place in XX/XX/year>, which was less than 90 days out ( their rule/policy ). I called Barclays to ask them to notify all 3 credit bureaus to delete the hard inquiry. The representative told me to contact XXXX XXXX XXXX, but they weren't the servicer.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

In XXXXXXXX XXXX XXXX I was offered a credit card from Citi with a XXXX XXXX XXXX for 13 months credit card. 

I apply, got approved and record the card approximately early XXXX. I put approximately {$1000.00} on the card. Approximately 3 weeks after I received the card I was notified the credit limit was reduced from {$13000.00} that both parties agreed to - to {$2000.00}. I submitted 2 complaints to citi via telephone. Both times the rep said theyd submit the claim. Both times within 24 hours I was denied. 

I checked with the credit bureau that is affiliated with Citi and they confirmed that from the time I applied for the card and when my credit limit was reduced there was no meaningful change in my credit report. 

XXXX XXXX and have had good credit since my XXXX It seems clear to me this was some kind of bait and switch. 

All I want is the restoration of the credit card limit of XXXX XXXX as both parties agreed credit
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MD)

I called and messaged American Express regular department and the Financial hardship department in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, letting them know I was sick and recently diagnosed with Chronic illness which has caused me to be out of work several days, leave without pay and asked may they please lower my payment during this medical financial hardship and they said no, it can not be lowered from {$200.00} per month, even though I was behind and making small good faith effort payments they sent me to credit karma and it made my score drop XXXX point down. Again, I even asked to speak with several managers, and they too stated they can not lower payment from {$200.00} per month. {$200.00} is too much for me along with all my other bills and I need them to allow me to pay {$100.00} per month. Please assist. Thank you.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (PA)

On Friday XX/XX/XXXX Chase cancelled a wired transfer because the recipient information had been changed and they were suspicious it was fraud. 

I checked the recipients info and confirmed it had been changed and therefore suspected that someone had accessed my online banking. 

I changed my username and password to access my online banking and assumed that would be the end of the issue. 

On Tuesday XX/XX/XXXX I did not receive a deposit from Chase XXXX XXXX for our credit card transactions from the weekend. I called Chase XXXX XXXX and they confirmed that the deposit had been made to a bank account. I asked them what bank account the funds were deposited into, and they confirmed it was not my bank account. They did not investigate but said this probably happened online and that someone was able to change the checking account associated with the XXXX XXXX account. I am the only person with access to these accounts and was not asked for permission to change the checking account or even notified this had happened. 

When I changed the log in and password to my online banking again on Tuesday I saw that Chase had allowed the hackers to add their phone number to my account thereby making it impossible for me to secure the account. Again without getting my permission or informing me this had happened. 

Even though Chase has the phone number and bank account info of the criminals, they refuse to investigate or refund the {$3200.00} they took from me and gave to the hackers ( settlements on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$1000.00} ). 

Per the Federal Reserve Regulation E : Electronic Fund Transfers 12 CFR 205 Section 205.6 the limits of a consumers liability for unauthorized electronic fund transfers is {$50.00}.
Consumer complaint received 2024-07-10
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (AL)

I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. 

I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. 
I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.
Consumer complaint received 2024-08-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NJ)

Opened a line with SYNCB/CARE CREDIT to pay for a huge XXXX  bill that was XXXX XXXX. The credit line was first opened in XXXX  2024. Originally the limit was lower but I paid it off completely and needed to use it for another bill. This is when I took out the {$6500.00} once approved. I have made payments XXXX XXXX on time and even with extensive procedures needing more than {$6500.00}, I have brought the balance for Carecredit down to {$5500.00}, making it XXXX XXXX  of my accounts limit. I finally made it to XXXX credit score and now I got a mail from Synchrony saying that they are lowering my credit line to {$5500.00} due to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX " " Average Time Since Accounts Opened Is Too Recent '' " Average Time Since Revolving Accounts Opened Is Too Recent " " Too High Proportion Of Accounts Recently Opened '' I also have an account with Synchrony and that is my Paypal credit that is longstanding, I have a {$2000.00} credit and use about XXXX XXXX of the credit, yet I have made payments ALSO XXXX XXXX on time. 

Synchrony is TRYING TO XXXX XXXX XXXX DESPITE XXXX XXXX PERFECT PAYMENTS ON TIME. They are LITERALLY KEEPING ME FROM getting better interest rates out of reach for an even longer amount of time! In the future, this decision from Synchrony will literally directly affect my interest rates and cause unnecessary financial harm to me with none of it being my fault. 

Synchrony you are a XXXX XXXX XXXX, stop trying to XXXX XXXX XXXX, this is so unjust. After I pay this off I will make sure I will never own a line of credit with you guys again regardless of how much it hurts to close an account. XXXX XXXX, you guys are messing with me on purpose. 

You literally lower my credit line with NO WARNING and you do it to XXXX bucks above the balance, you ARE DOING THIS ON PURPOSE. Synchrony is a bunch of XXXX  This is an unjust reason to lower my credit line. I have XXXX XXXX payment history. Do not try to XXXX with my credit utilization and prevent me from getting better interest rates.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Greenlight Financial Technology, Inc (UT)

I use Greenlight for my kids, I always keep money in their account so they can get food etc. my daughter had a {$50.00} positive balance for some time now, she tries to buy {$4.00} of food and the transaction is denied. I email the company and they said the account was out of XXXX  with the balance and frequently they have to manually update it. I dont understand how not being able to see an accurate balance is a thing. Of course the error is in their favor and they drain basically all the money from her account. Why am I charged a monthly fee for a service that it seems the bare minimum would be to keep balances accurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT WORLD SERVICES, INC. (MO)

CREDIT WORLD SERVICES , INC LLC has received multiple letters requesting the validation of this debt via a wet signature contract between myself XXXX XXXX and their company CREDIT WORLD SERVICES , INC LLC * ( not a third party ) * in which they have now failed to provide. As well as proof of authorization from myself XXXX XXXX releasing my personal information to their company CREDIT WORLD SERVICES , INC LLC * ( not a third party ) * in which they also failed to provide. Along with a cease and desist letter in accordance with Consumer law 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer which states the following : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector.

It seems as if CREDIT WORLD SERVICES INC is in violation of multiple laws including the illegal acquisition of my personal information which can be considered identity theft, as well as continuing to illegally report a debt being owed that has already been paid for in full and purchased by their company CREDIT WORLD SERVICES INC, LLC therefore making me not liable for the {$610.00} debt that is being falsely reported as unpaid on my report. This is a final attempt to resolve this issue with the company before moving forward and proceeding with having my attorneys send over an arbitration and identity theft lawsuit that has already been written up.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NJ)

I had two cases in XXXX XXXX in XXXX that I was charged with conspiracy and completed my time by XXXX and Rehabilitate not XXXX XXXX I dont have any open cases
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (NY)

Re : Request for Permissible Purpose Proof and Account Validation To Whom It May Concern, I am writing to formally request the following information and actions concerning my account with XXXX XXXX XXXX : XXXX. Proof of Permissible Purpose It has come to my attention that XXXX XXXX XXXX has reported information regarding my account to XXXX or more consumer reporting agencies. I demand proof of permissible purpose under which this information was reported, as required by the Fair Credit Reporting Act ( FCRA ). Without my written consent, such reporting is illegal, and I ask that you immediately provide documentation that justifies your actions. 

XXXX. Last Billing Statement and Account Validation I request a copy of the last billing statement associated with this account. Additionally, please provide full validation of the account, including : A copy of the original contract or agreement bearing my signature. 
Documentation that verifies the legitimacy and accuracy of the debt as claimed by XXXX XXXX XXXX. 
XXXX. Fraud in XXXX  XXXX and Security Agreement If any discrepancies are found in the documentation or if XXXX XXXX XXXX can not provide the required proof and validation, this could constitute fraud in de facto. I also request details of any security agreement tied to this account and demand that these documents be reviewed for legal compliance. 

XXXX. Jurisdiction and Legal Compliance Please be reminded that your practices must comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as mandated by Congress. Any failure to comply with these laws, including the unlawful reporting of my information without permissible purpose, may lead to legal action under the appropriate jurisdiction.

I expect a prompt and thorough response to this letter. Please provide the requested documentation and confirmation of the actions taken. 

Thank you for your immediate attention to this issue. 

Sincerely,
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EGL US, LLC (FL)

Re : Validation of Debt Account Name : XXXX Account Number : XXXX To whom it may concern, I have written several times to the creditor and credit bureaus to re-investigate and validate debt of the account listed. I also asked them to provide documentations of alleged debt.

*Proof of ownership of alleged debt *Payment history and breakdown of fees *Provide a copy of the contract with my signature They have failed to comply to my request which is a violation of FCRA and FDCPA. Under the rights of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am asking for verification because my credit score is very important to me.
Consumer complaint received 2024-08-31
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: Fidelity National Information Services, Inc. (FNIS) (OH)

On XX/XX/XXXX a refund was issued to my closed credit card account for a purchase I made on XX/XX/XXXX. XXXX XXXX was the 3rd party servicer for credit cards issued by my bank that is now closed. The refund was accepted by XXXX XXXX and I have not received the refund. I can not get through the automated system to contact XXXX XXXX because my account is closed. Their customer service is atrocious.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (NY)

Upstart Network Inc.

Re : Fraudulent Account - Account Number XXXX To Whom It May Concern : I am writing to dispute the Upstart account listed on my credit report ( account number XXXX ) as fraudulent. I have no knowledge of this account and believe it was opened fraudulently without my authorization.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. The presence of this fraudulent account is causing harm to my credit standing and financial well-being.

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX prohibits deceptive acts or practices in the conduct of any business, trade, or commerce. The reporting of this fraudulent account to credit bureaus constitutes a deceptive practice that is harming me.

I demand that you immediately investigate this matter and take the following actions : Remove the fraudulent account from my credit report.

Cease all further reporting of this account to credit bureaus.

Provide me with a written confirmation that these actions have been taken.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO CARD SER XXXX
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XX/XX/year> XXXX XXXX XXXX XXXX had contacted me via phone and informed me that Carrington Mortgage has approved the difference of {$2500.00} to complete payoff and I did ask what was my deadline to submit payment and XXXX XXXX reply was just submit at your earliest so suspended funds will also be applied to payoff mortgage. 
I submitted on XX/XX/XXXX, XXXX and I did get a notice that Carrington picked up on XX/XX/year>. 
Today I called to get status and plus to ask why was I getting a notice that Fed Ex was delivering my a package. The response from a representative named XXXX caused me to blew a gasket. 
Carrington did receive my funds and RETURNED appears that there has been a lack of communication between their departments, resulting in the return of my payoff payment. 
I am deeply concerned about this oversight. I had made the necessary payment in good faith, expecting it to be processed without any complications. 
XXXX informed me once I receive the Fed Ex package to return and which I will pay out of pocket.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (TX)

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was XXXX, and the debt was later purchased by Velocity Investments, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/2023. However, it is still listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement