davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-11-17
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. (TX)

I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.
Consumer complaint received 2023-12-02
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. (TX)

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XXXX XXXX  for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won. 
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum. 
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report. 
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading. 
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer. 
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details. 
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

This happened in XXXX I would use Chime banking. Out of nowhere they closed my account with funds inside. They never provided me a reason why. They did say I had to go to XXXXXXXX XXXX and request a letter, but that made no sense to me. Before they took $ XXXX and I tried talking to support but nothing came out of it. Then sooner later is when my account closed. I tried reaching out on multiple occasions but I never received a clear answer as to why and how I can get my funds returned.
Consumer complaint received 2022-10-17
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: EQUIFAX, 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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

On three separate occasions over a one week period ( XXXX through XXXX ) I have received three debit cards- referencing three new accounts opened in my name from M & T Bank. All accounts were opened On-Line using my name, address and SSN. The Bank has finally placed fraud alerts so that no other accounts or cards will be issued in my name.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information.

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies. 

Thank you for your time and consideration. I look forward to a prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-30
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. (GA)

EXPERIAN claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED and I have documentary proof. XXXX XXXX XXXX is furnishing inaccurate information and EXPERIAN claims the information was actuate. How could EXPERIAN verify this account? Who did they speak to from XXXX XXXX XXXX? What is their name, email address, and phone number? If EXPERIAN can not provide this information and knows or has reason to believe information is inaccurate they MUST delete the account from my consumer report. In addition this account has been re-aged and has reached the statute of limitations. Via proof in the attached screen shot the account was opened XX/XX/year> but the payment history doesnt reflect until XX/XX/year>. EXPERIAN has a grave responsibility to make sure the information in my credit profile is 100 % correct. This error has caused me damage and needs to be corrected immediately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX  hires personal trainers and if personal trainer cancels twice for personal reasons then XXXX XXXX still bills you. I contested it and now they have an attorney writing me for an amount that is not the monthly subscription. The personal training memberships are very expensive so XXXX XXXX needs something in place for cancellations. I owe monthly XXXX and what they billed me for is not right. If your trainer cancels and reschedules then have something in place that credits my account until the new date is scheduled. That didnt happen and here we are. The amounts requested is not correct.
Consumer complaint received 2023-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (VA)

On XXXX XXXX, XXXX, I applied online to BMO Alto for a 12 mo cd with JOINT OWNERSHIP. It was crucial to make this joint since the amount we were funding exceeded the {$250000.00} FDIC limit. The application process asked me for the funding amount ( {$360000.00} ) and institution ( XXXX  XXXX checking account ) which I provided. I gave them both joint owners names, social security numbers and other relevant data. 

On the same day, XXXX XXXX  I was emailed a welcome letter. 
XXXX XXXX  I was emailed an External account added to BMO Alto indicating the addition of my XXXX XXXX external account was successful. 
XXXX XXXX  I received an email titled Your BMO account ownership status saying we regret to inform you that were unable to honor your request to add XXXX XXXX to your account. This is to let you know that your account will remain in your name only. 
XXXX XXXX  my husband received an email titled Your BMO Alto application has been declined. This email just stated that his account application has been declined and there was NO REASON GIVEN. 

The next morning ( XXXX XXXX, XXXX ) at XXXX XXXX  I called BMO Alto at ( XXXX ) XXXX. I explained to the representative that since I opened and joint cd account and the joint owner was rejected I should get my investment returned. I was told that even though I applied for a joint ownership cd, since the joint owner was declined it automatically opened as a single owner. Furthermore if I wanted to cancel and get my money back I would be penalized for fees amounting to roughly 6 months of interest. He stated that if I added my husband as a beneficiary it would add an additional {$250000.00} FDIC insurance. We were skeptical however added my husband as a beneficiary since we felt we had no other option. The representative assured us we would be completely covered by FDIC and referred us to the FDIC EDIE system, provided us the banks certificate number ( XXXX ) and location ( XXXX, IL ). This information proved false as well. We learned that we had {$110000.00} not insured after adding a beneficiary. 

Our complaint is threefold. 1 ) We applied as a joint owner. If BMO Alto could not satisfy this request they should have informed us and given us an option to cancel without penalty. 2 ) My husband was declined as a joint owner and BMO Alto did not provide us with a reason for this rejection. 3 ) We were told that the addition of my husband as a beneficiary would increase the FDIC insured amount. This proved to be false. 

Thank you,
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On the night of XX/XX/XXXX my Bank of America account was charged for a total of {$300.00} at several shops where I do not shop ( XXXX XXXX, XXXX location I do not shop at, XXXX and XXXX 's XXXX. My debit card number was stolen and used without my authorization. I submitted my claim through the proper channels and my claim was denied, despite their advertising that my account is protected from unauthorized purchases with " Total Fraud Protection ''. 

On the denial notice Bank of America sent cited that my claim was denied because I had " authorized the charges '' but this is simply not true. In fact i was made aware of the charges because Bank of America 's software froze my account because the spending pattern was unusual.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-30
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. (MO)

They constantly just report what the creditors habe already reported even though I've sent documents proving the debts are not legitimate or habe been paid all they will do is send my docjmentnth the creditors who do nothing with them I have even reported this to this platform and it's remained open more XXXX days without responce this Is not rigjt and I feel I'm being screwed because I'm not a XXXX
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (IL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.