davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Since XXXX  Synchrony bank retail accounts have been targeting my accounts by manipulation of my credit usage without cause. Using boiler plate reasons that existed when each of the accounts were approved and opened. Resulting in creating the issue that they cite for the reason of the reduction of credit lines. The reductions are arbitrary and are select to increase credit usage of over 90 % in attempts to justify their stated reason for the reduction. All the accounts have 100 % payment history since 2022. The latest account XXXX was not used for about 8 months charged {$170.00} with a {$1000.00} credit line and they just reduced the credit to {$200.00}. I was so incensed with this latest action that I immediately closed the account. Synchrony Banks actions in the last 3 months window of time has negatively affected my credit score by approximately XXXX points and with about XXXX lines of credit with 100 % payment history the only issue that has negatively affected my score has been the Synchrony Bank actions. They have affected my retail accounts with XXXX, XXXX, XXXX, XXXX XXXX XXXX, Synchrony XXXX XXXX XXXX XXXX accounts. They continue to target my accounts, their latest correspondence from my XXXX account reducing the credit limit to again create a 90 % credit usage. During that reduction my credit score increased by XXXX points which is an indication of their faulty reviews. In the past when they reviewed my accounts XXXX XXXX account did not affect a second XXXX account and now they are attacking all of my accounts again all with 100 % payment history. In researching Synchrony Bank in lieu of these issues, apparently Synchrony Bank has a history of approving account and 6 months later reducing the credit lines resulting in an artificial increased credit usage. It is a pattern that I am now experiencing. It seems apparent that Synchrony Bank does not want me to remain a customer and is not interested in addressing any possibility that an error has been made. If they believe a credit line reduction is warranted why not reduce it uniformly at a percentage based calculation based on the current credit line or why not reduce them all to a consistent amount? Why reduce one account, close others and keep others open. The actions point to targeting the customer with unfair practices resulting in financial cost.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

I got a XXXX XXXX  credit card with a XXXX XXXX limit I never even used it I reported fraudulent charges rite away they took the charge off and sent me another credit card witch I did not ask for then they determined in there XXXX investigation that I was liable for charges I didnt make Ive tried to talk to XXXX XXXX probably 10 to 15 times Ive called the company they sold the debt to theses are fraudulent charges Im not paying it now its at almost XXXXXXXX XXXX  for something I never even used they wont provide me any information there not helpful at all they just want my money I lost everything even Covid hit I have nothing to give them and Im not paying for something I didnt do
Consumer complaint received 2024-06-22
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. (TX)

I looked at my report back on XX/XX/year>, and noticed some things are still incomplete and not accurate. According to the Fair Credit Reporting act : when 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 to.These accounts [ 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  are not complete and not accurate. open date is not reporting correctly, date lasts active, date of last payment is not correct, this account is not accurate.Please review all verified documentation sent and remove these accounts, immediately from my credit report. The account information is being reported inaccurately on my report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (SC)

On XX/XX/2024, I purchased a Vanilla Visa Gift Card from XXXX XXXX and loaded {$190.00} onto the card. The card has a {$4.00} purchase fee. Once I got online to make a purchase at XXXX, the transaction was declined with a disclaimer to contact the card merchant. I proceeded to attempt to link the Vanilla Gift Card to my existing XXXX account but it was unsuccessful. After growing concerned, I went onto XXXX to ensure my card was activated properly. I created an online account, entered the information from the card and was able to see my available funds, the failed transactions with XXXX as well as XXXX. I then contacted the phone number on the back of the card. That phone number sends the customer through an automated IVR system in which it's difficult to reach a live agent. After pressing each option, the only way to speak with an agent was to select a lost card prompt. While speaking with the representative I was advised that Vanilla Visa cards have certain measures in place for the customers protection. Then the representative offered to send me a replacement card in the mail when I inquired about a refund and how their policy makes online shopping a frustrating less-than ideal experience. I want to make this complaint public as it's likely other consumers have run into the same issue with Vanilla Visa cards new policies and user guidelines preventing purchases under major corporations and unable to link to XXXX accounts.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NC)

I have sent certified mail, emails, and called this cedars company several times and they have never responded to me in any way. They can't explain this imaginary debt that they are claiming I owe. 

I had an account on XXXX but sold all of my positions years ago for a loss. I certainly didn't owe XXXX any money. I used all my own money and you can't sell without paying the associated fees, so I have no idea what this is, and Cedars refuses to explain it. 

I'm XXXX XXXX XXXX and have never had an unpaid bill, let alone a collection. This infuriates me that no one can explain this and or remove it from my credit report. 

I don't know if this is XXXX XXXX or fraud but I'm certain that its dubious and should be illegal to negatively impact someone's great credit and then refuse to provide any details or answer their calls.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

For three years I have had an Auto Loan from Ally Auto an online company. For the past eight ( 8 ) months I have not been able to access my loan information to make my payment, get a payment history or see my balance. I am forced to pay a processing fee of XXXX each month to pay by phone to a third party payment processing center ( which I do not know is getting applied to my loan ). Each month I am forced to call Ally to try to get this matter fixed. I have spent many, many hours on the phone with customer service only to get the run around. I am told my situation will get escalated to the " triage '' This does not happen. I have had customer service hang up on me. I can not talk to a supervisor, I get put on hold for hours and then the phone on their end get disconnected. I spend a minium of 4-5 hours per month begging for help. I have XXXX  status and I can not take this abuse. It has cause me much stress. This is the 2nd loan with Ally Auto. The first Auto loan was taken over by a credit union and put in previous partners name basically stolen from me with out my signature. I can not take this any longer. I am ready to take legal action on the first loan and the current one. I need help ASAP
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (FL)

I am locked out my XXXX account I tried to reset password online and nothing works. I try to call the company over the phone and it will not allow you to speak to someone. The automative system does not allow you to pick a representative. From a XXXX XXXX party website I can see incorrect information and I cant even dispute it get through to XXXX XXXX  XXXX XXXX was paid and should be deleted. 
XXXX was paid and should be deleted. 
As well as the XXXX days late updates it was XXXX and they had a waiver program.
Consumer complaint received 2023-11-21
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: WELLS FARGO & COMPANY (CA)

The company involved is Wells Fargo. On XX/XX/2023, my birthday, while I was in a college lecture with XXXX other people, a {$1400.00} cashier 's check was taken out of my checking account at a branch. I filed a claim for this money as I did not take this money out of my account. I was concerned about being able to pay for my college tuition fees next semester. They informed me that they would do a 10 day investigation into the claim. They told me after the 10 days that there was no error found. I called them to dispute the matter further as I am 100 % sure it was not me. They gave me the name of who the check was written out to, XXXX " XXXX XXXX ''. During the time that the check was taken out on the XXXX, the bank XXXX XXXX department called me and informed me that they had caught and blocked an attempted {$400.00} online transaction using my checking account. While I was on the phone, whoever stole my identity was at the bank branch getting the cashier 's check, as they said it happened at XXXX PM, the same time that I was on the phone with the agent. They told me that the device that attempted to make the purchase had an IP address in Texas. I live in California and have never been to Texas. After further researching the name that was written on the cashier 's check, XXXX " XXXX XXXX '', I found an account of a female with that name on XXXX. Her location was listed as " XXXX, TX ''. After trying to further dispute the claim that this was not me after their 10 day investigation, they informed me that the XXXX would give me a call within XXXX business days to explain the closure of the claim. It has been XXXX business days later and I have still received no phone call. I will be dropping this immoral bank, and I suspect them of simply stealing my money as they have been shown to do with customers recently. Customers online have stated they do not trust this institution and they have been terrible at trying to help me get my hard earned money back. I'm XXXX XXXX XXXX, in college full time, and watch my money closely. Please investigate these crooks. People who I have no knowledge of have stolen my money!
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX, XXXX 2024 I attempted to view my TransUnion credit report/score after waiting the suggested time for staff to receive and process the copies of my state ID and social security card that I submitted via mail as requested. 

After receiving an error stating that Transunion was still unable to complete identity verification, I decided to call the TransUnion customer service line. Once reaching an available agent, I was told that my Transunion file/account had been deleted for the second time. I was then told by this representative that they had successfully created a new Transunion file/account for me. 

This agent continues on to tell me that I she can guarantee that my Transunion file/account will not be deleted again. After asking for the agent 's name for future reference, I was placed on a brief hold to " make sure this won't happen again '' and then was never given the agent 's name or badge number. The agent goes on to tell me my new file number and will not give me a reason as to why my file continues to be deleted or why I can not view my TransUnion credit report/score. 

Next, I am transferred to another department and am greeted by an agent named XXXX. I am then told the reason why I can not access my account is because it needs to be verified. I answer some security questions and am told that my account has now been verified. I am then instructed to wait XXXX to XXXX minutes and then I will be able to view my credit report/score. 

I still can't view my credit report/score and it's been XXXX hours since I got off the phone with TransUnion. 

I have been met with nothing but defensiveness and thrown blame. I have spoken with TransUnion staff at least 5 times this year alone. I have been cooperative in submitting requested state and government documents, I have gone through the process of creating a new account/file with TransUnion twice already, I've answered security questions, given out sensitive personal information, and yet, TransUnion has continued to fail in providing me with a credit report/score. It is my right, as an American citizen, to be able to view my credit report/score. At this point, I'm begging and arguing with TransUnion staff to simply do their job correctly.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-07-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Please see the callers voice mail transcription. Its not exactly what is listed in the transcription. However, the caller was threatening to come to my place of business and my residence concerning a complaint. I do not owe any debts. See my last complaint regarding XXXX XXXX XXXX. They are the only related business who is involved with this stuff currently.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-12-09
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. (MO)

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.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation (IN)

Thank you for taking a couple of minutes out of your busy day to read this letter. Ive enjoyed my relationship with scs credit corp since XXXX Im writing because I noticed your company  reported a collections on XX/XX/year> on my credit reports. I am requesting a goodwill adjustment to remove this collections payment from my XXXX, XXXX and XXXX credit reports. 
Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was without a job and was XXXX. I take full responsibility for the mistake and have made sure it wont happen again. As you can see from my payment history, Ive made every payment on time both before and after the late payment. 
Im in the process of applying for a auto loan to get back in fourth to work and the negative impact of the collections account could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 
Sincerely,
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Williams & Fudge, Inc (IN)

My identity was stolen I called and talk to someone they told me I needed a police report I recently went in to get a police report they told me I needed the case numbers which I dont know cause the police report was in 2022. So I cant get a report I really dont have no acknowledgment of this account. Im trying to get my cdls and they wont move forward with me because they using the platform that they applied for the loan to get me a loan to get my cdls. And this is really holding me back I need this off asap.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK (TX)

I received this credit card during my XXXX XXXX XXXX XXXX. As a responsible individual regarding financial matters, I diligently used the card for necessary expenses related to my education. However, I encountered several issues that have caused significant distress and financial burden. Firstly, there were multiple instances where my card was charged twice for the same purchase. Despite promptly addressing these discrepancies and consistently making timely payments, the payments were not accurately reflected in my statements. As a result, I requested a payment plan to manage my balance better. Unfortunately, the process of obtaining a payment plan was exceedingly prolonged, taking several months. Once the payment plan was established, I experienced persistent harassment from your representatives, who frequently called me before XXXX XXXX causing undue stress and XXXX Furthermore, my initial balance of approximately {$600.00} inexplicably increased to nearly {$1000.00}, despite my efforts to manage and pay off the debt. I believe that as a naive XXXX XXXX I was taken advantage of, and I feel that the treatment I received was unfair and unjust. I request a thorough investigation into my account and a detailed explanation of the charges and interest accrued. Additionally, I seek rectification of any erroneous charges and a fair resolution to reduce the undue financial burden that has been placed upon me. I trust that you will address this matter with the urgency and attention it warrants. I look forward to your prompt response and a satisfactory resolution. Thank you for your time and understanding.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.