davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On XXXX I received my monthly statement and noticed they reduced my credit limit from XXXX to XXXX. I am currently in a special free interest until XXXX. My balance is XXXX. I called to ask why and what triggered this because I have never been late with a payment they stated it part of the terms. O have had this card since XXXX  and never had this happen but I was never in a free interest program for a purchase either. I checked my credit and no inquiry was done by the company so it appears they reduced the limit so if I don't pay it by the end of the special program they can then charge me over the limit fee.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CO)

I purchased an online order on XX/XX/XXXX for multiple items from XXXX. The items showed up individually on my Lowes ( Synchrony ) card as they were shipped. One item in question, the patio set, charged twice. This was a charge for {$470.00}. I've repeatedly sent receipts and the online order invoice to show that this item was only ordered one time, and they continue to leave the charge on the card, saying they don't have enough information. 

I have re-disputed the charge 3 times now. They now report these disputes to the credit bureaus, which is unfair, and I want any effect of that removed.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My partner and I have been Bank of America Clients for a few years and always do ATM CASH deposits into our checking accounts. Today XX/XX/23 we went to their branch on address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX to do a new ATM deposit, the time was XXXX ( pictures bellow ), we inserted our cash in total {$3300.00} ( the machine swallowed XXXX {$100.00} dollar bills + XXXX {$20.00} dollar bills ), while counting the money I took a picture and the machine simply went back to the main menu, The money didn't go through. We didn't get any receipt. We talked to the Bank of America stuff, they asked us to open a Claim by Phone XXXX and say the ATM ID - XXXX, and we did. They said we need to wait about two weeks to be investigated, this is ridiculous, we need this funds today. We trusted this ATM machine while the bank is opened, if we knew that this kind of issue could happened we would go to the cashier and have our fund right now. We really need help with this matter because this is the money to pay ours bills which is due today. 
Thank You for helping us in this case, we don't have more funds in hands to be deposited. For sure someone will open that machine today and will figure it out and see our {$3300.00} dollars there.
Consumer complaint received 2024-04-15
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. (CA)

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.

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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have two hard inquires on my Experian credit profile, both for XXXX XXXX. One on XX/XX/2019 and another on XX/XX/2019 - the inquiry on XX/XX/2019 is a duplicate inquiry.
Consumer complaint received 2022-11-04
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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: CITIBANK, N.A. (SC)

on XX/XX/2024, CITI Bank took {$0.00} credit from my credit card account due to 'BALANCE REMOVED DUE TO 3 MOS INACTIVITY ' [ Transaction Description ]. Account had a NEGATIVE {$0.00} balance prior to that transaction. 

on XX/XX/XXXX, there was an monthly automatic charge made to the account. 
on XX/XX/XXXX, there was a payment made to the account resulting in {$0.00} negative balance. 

This account has automatic billing charged to it every month. Has been for months so the " INACTIVTY '' description did not make sense. 

when asked what had happened to the {$0.00}, the company could not answer and stated it was automatic to accounts with negative credit balances. When requested the refund for the {$0.00}, the company stated that amounts with less than a dollar could not be credited. I stated that this amounted to SKIMMING customer credit accounts that have less than a dollar negative balances. If a customer does not catch that, all those credit account negative balances can amount to huge deposits for the company across the thousands of credit card accounts they manage. 

The company offered to refund {$5.00} to the account but did not offer a solution to the 'skimming ' of negative balances of less that {$1.00} USD from credit card accounts with no audit trail where that money goes or why it just removed from the customer credit card account.
Consumer complaint received 2024-04-15
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)

Attention to TransUnion and XXXX : I am writing to inform you that XXXX XXXX - Account # : XXXX, which your esteemed organization consistently reports on my credit profile, has been eliminated from other credit bureaus as of XX/XX/2024. Adhering to the principle of alignment among reporting agencies, I strongly request that you match this adjustment and consequently remove the derogatory item from my credit report. 
Since you are sharing information solely with one creditor, coherent consistency across platforms becomes extremely important. Eradicating redundancy leads to uniformity, resulting in a transparent reflection of borrower behavior. 
On another note, I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

a dispute from you on XX/XX/2023 totaling {$10000.00} XXXX said within 10 days I would received a credit. The error is the banks fault. The bank attached XXXX debit cards to my account with an unauthorized user.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2009 Wells Fargo received my {$830.00} mortgage payment. 
Wells Fargo subsequently sent me a {$830.00} refund check # XXXX on XX/XX/2009, drawn on Wells Fargo Bank, to me but stopped the payment on it. 
Fargo Bank kept the money and didn't apply it to my mortgage. My money disappeared.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (CA)

I bought a vehicle from caravana on XX/XX/2024. I got approved and signed all contracts and provided all necessary information and documents. 

They made me resign a contract on the XXXX of XXXX XXXX for some reason? 

They successfully took my down payment out of my bank account in the amount of {$4900.00} prior to XX/XX/2024. 

I bought an expensive full coverage insurance policy as part of the requirements of the contract. 

I was all set to pick it up in XXXX UT. Then they canceled my signed contract without giving me any notification whatsoever. 

I specifically asked them the reason and they flat out denied me a reason in an email which is against the law.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

MOHELA continues to incorrectly recalculate my SAVE payment. I am the primary income earner in my household and have XXXX children in college who are my dependents, and while MOHELA 's own calculator shows my estimated monthly payment at {$250.00} a month, yet my monthly payments are {$540.00}, more than double the estimated amount. This payment amount is much higher than I can afford. When I have called MOHELA, I was told by a representative that I should " move to another state that's less expensive. '' This is not appropriate or helpful. I have seen where MOHELA has also miscalculated other borrowers ' SAVE payment amounts, more than doubling their payment when they incorrectly take into account the borrower 's spouse 's income and loans due. I would just like for my payments to match what their own calculator states or close to it, not more than double, which I can not afford. It makes no sense for their calculator to be this far off.
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

upon checking my credit report, i saw this account from CREDIT COLLECTION SERVICES reporting. I never conducted business with this company, never signed an agreement with this company, never gave this company permission to report information on my report nor did i provide them with my nonpublic information. CREDIT COLLECTION SERVICES is infringing upon my rights to privacy and defaming my character.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED.

I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Chase for account ending in XXXX. I have no records of signing with my wet signature to authorize the account ending in XXXX. I never received the true invoices signed under penalty of perjury confirming Chase provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Chase for the account i.e. 1099 0ID, 1096, INC, PRC and 1099. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-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. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 

AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.
Consumer complaint received 2023-11-13
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. (GA)

In accordance with the Fair Credit Reporting act, The following accounts has violated my rights : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 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
Consumer complaint received 2024-04-15
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. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me i am a retired XXXX XXXX who served the country for over 25 years and it is very depressing to find this on my report. 

ACCOUNT - XXXX - XXXX - NOT MINE NEVER BEEN MINE - 15 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

- XXXX - XXXX - XXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


XXXX - XXXX - NOT MINE NEVER BEEN 15 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS please remove Please see attached.
Consumer complaint received 2023-07-08
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2018-11-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchased a car on or about XX/XX/2017. Credit was pulled by several companies, including - XXXX   XXXX, XXXX and XXXX XXXX XXXX XXXX. 
The companies above pulled credit 3,2 & 2 x respectively for a single transaction. ( See XXXX 2 Attachment ) .These pulls are each being recorded as a hard inquiry and have affected my rating on Transunion . ( See Attachment ). Hard Inquiries are 12 instead of 8. 

I have contacted Transunion and they said only the creditors can fix it. I have contacted the creditors and they have no process to remove the extra inquiries, and I should file a dispute with Transunion. I file a dispute with Transunion and they state the creditor had the authority to pull my credit. 

Yes they had approval to pull my credit once, not 2 or 3 times. Please assist me in helping get these items removed.
Consumer complaint received 2023-11-13
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. (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 XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
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. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 






13.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report