davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Someone placed an order on my credit card with Macy 's. I found out and called the company and reported the charge. I called this company at least XXXX times without any customer service representative understanding what I was saying. the comprehension and understanding of representatives is unbelievable. calling Macy 's customer services you're calling overseas and it's extremely frustrating especially when you're trying to communicate a problem. Finally, I spoke to a manager who understood what I was saying and he refunded the charge from my credit card because I wasn't responsible for that charge. The credit company reported this as a late charge on my credit. How can I be liable for a charge that I didn't receive? How could you charge me for something I never received?
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (AZ)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), XXXX  XXXX, Synchrony Bank ( SYNCB/CARE CREDIT )
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (VA)

filed a complaint regarding unauthorized transactions on my debit card my card was cancelled and I was issued a new card and told that my claim would be investigated. Someone used my card on a casino site from XXXX XXXX I didnt notice the transaction until I started noticing every time I add money to my checking account front my saving my balance disappears. So I filed a dispute with card.com on XX/XX/2023 who claimed to have did a proper investigation and denied my refund. I just dont understand how I been a client with them for a year now and my claim was not taken seriously. I contacted card.com and asked for a update on my claim on XX/XX/2023 and was told no error occurred and my claim was denied. So you mean to tell me someone is able to use my card unauthorized on a site that I have never been on and nothings done about it? Its just sickening to me. Now Im out of my own hard earned money! Im definitely switching banks. I want my money. These are unauthorized transactions.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OH)

I received 2 emails from American Express one for each credit card account I have with them. The emails stated that my credit line has been decreased. And no real reason for that! So I called AMEX and I got NO CUSTOMER SERVICE or explanation for what happened other than my credit line was reduced. They referred to my XXXX  credit report and other jargon that made no sense. I asked if my credit card account are late or something and they stated that my accounts are in good stating. They offered a posible solution which involved me sending them my tax return information and or making some sort of " one time '' ... .. All jargon to me ... .. when I have been a long time AMEX customer who pays on time! I went on my own and looked at/contacted XXXX  won my credit report with them .... no problem at! Good score!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (KY)

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OH)

Several months ago I had a charge on my checking account with XXXX Bank from XXXX, for {$30.00}. 

I did not authorize any such charge. I contacted XXXX, and was told I had no orders for that amount. 

I called XXXX and disputed the charge. 

Today I got a letter from TRS saying I owe XXXX {$30.00} for a stop payment. 

I never authorized any such charge to XXXX, and do not owe this debt.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (VA)

LENDMARK FINANCIAL SERVICES reported an inquiry on my consumer report without fully disclosing to me upon our initial contact that such information was subject to being reported to third parties. They also failed to provide me with an option to opt out of sharing my information.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX OF XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear CFPB, I recently received a copy of my (, XXXX, XXXX Transunion, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, Transunion, XXXX, They reported my account as LATE in the month of XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Names of the accounts : XXXX XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance! 

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NY)

I went to the chase branch to open high school checking account. The manager asked us to leave and bring ID. When we returned she said that one of my prior account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and I had ower draft of {$100.00} I had my son with me and had no choice but to pay {$100.00} to be able to open account for him. 
Why the charges couldnt be waved? It was 7 years ago? 
Why I didnt know about that all these years? 
Something sounded that it is not right. 
I do not recall having another account with chase. 
I only had and have one joint account with my husband. 
Please let me know if you can refund me XXXX because its not thrue what the banker said. I do not believe it. Ether she  made a mistake or stole my money. She havent present any prove. Please investigate. 
Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (PA)

I do not have or owe a debt to Receivable Recovery Services LLC. 

I asked for a signed contract with my signature and personal information to prove that I have a " relationship '' with them. 

I asked Receivable Recovery Services for ANY evidence of this " apparent '' debt from the original debtor ( in which I do not owe them ). I asked for verification and any signed original documents with the apparent creditor. 

I have not received ANY of the above mentioned items.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC (CA)

My mother passed away 10 months ago. At the time of her death she has two credit cards with balances of about {$10.00} and {$50.00} respectively. XXXX XXXX. is the creditor for both accounts. I informed both accounts of her passing just a few weeks later and was told that AscensionPoint Recovery Services would contact me as the representative of her estate in order to collect the amount owed at the time of her passing. I was also told that this could take several weeks, but that no late payment fees or interest would be added to the balances. When we continued receiving statements for those accounts showing that late fees and interest were being added to the balances I called again. This time I was told that we could ignore the statements and that AscensionPoint would only request the account balance at the time of death. Over 8 months after my mothers passing AscensionPoint finally reached out to me about one of these accounts and then the other, attempting to collect debts from her estate of about {$160.00} and {$360.00} respectively, balances that DID include all the late fees and interest accrued over the months after my mothers passing. Because so much time had passed and it wasnt a very large sum I initially paid the first account without questioning it. Later I happend to notice my error. When I contacted AscensionPoint about this they were quite gracious in refunding the full amount to me with apologies. At the time, it seemed like an isolated incident and I didnt think much of it. A few weeks later when AscencionPoint contacted me about the second account, once again requesting an amount that was much higher than the account balance at the time of death, I started to get suspicious. I am still in the process of getting the amount they are trying to collect from my mothers estate reduced to the {$50.00} that it should be. It takes time, effort and patience. My experience so far, also from what I can gather from the AscensionPoint representatives Ive spoken to is that its very common for small credit card debts belonging to the recently deceased to be handled in this way. Its not unthinkable that XXXX and possibly other creditors intentionally delay the process of forwarding debt to collectors like AscensionPoint, letting the accounts rack up extra late fees and interest. Bereaved persons like myself, who have taken on the extra burden of handling an estates finances often dont have the time to double check every little thing or the energy to dispute the debts theyre presented with. Im therefore sure many people will pay smaller amounts like this without question. The fact that this happens to me not once but twice is disturbing to me. The question must be asked : Is XXXX intentionally or unintentionally taking advantage of the recently bereaved by charging unwarranted late fees to the accounts of deceased persons?
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (VA)

I was told that the last payment on this account was made on XX/XX/. It has now been over 7 years and they are reporting on my credit. When asked what my XXXX date was they refused to answer the question. When i asked for a manager i was left on hold for 30 mins and then hung up on. This account is falsely on my credit report ad nor do i admit ownership of this account.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

This account is many years old. I attempted to contact XXXX to get details on how to get the account removed from my credit profile and I was told that XXXX does not handle the removal of accounts on credit reports, just updating the account status, which I find strange since it's being reported on all three credit reports.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid 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. (IN)

My minor child made unauthorized charges to my credit card without my consent, he is mentally XXXX and said he was not aware he was making these charges. My credit card company Citi, has denied the claim. I have spoken to XXXX XXXX and XXXX XXXX from citi, I told them I would provide any documentation stating my sons mental condition, but to no avail. I am a widow working a full time job with XXXX  young children. unfortunately my children aren't always under adult supervision, and therefore was easy to get ahold of my card. I have also spoken with XXXX and was told to speak with my credit card company, that they would be able to help me.so I have exhausted all efforts. These are the dates and charges made to XXXX. 
XX/XX/2018 {$26.00} XX/XX/2018 {$23.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$9.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00}XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$37.00} XX/XX/2018 {$100.00} XX/XX/2018 {$10.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$100.00} XX/XX/2018 {$64.00} XX/XX/2018 {$80.00} XX/XX/2018 {$100.00} XX/XX/2018 {$100.00} XX/XX/2018 {$39.00} XX/XX/2018 XXXXXX/XX/2018 XXXX Totaling charges {$1500.00} If you can please help with this matter it would be greatly appreciated. Thank you.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I used the amex gift card to try to order from several vendors online, including XXXX. Every time, it said the charge was declined by my card. 
The card says that it's balance is {$200.00}. 
To test, on XX/XX/XXXX, I tried to use it online small amounts like {$25.00}, declined.Then large amounts like {$150.00} and {$200.00}, declined. 
Next I tested XX/XX/XXXX in a brick and mortar store. We tried small and large amounts. All declined. 
Most recent was XX/XX/XXXX online with XXXX for {$200.00} - declined I know I'm using the right information because each time I try, my gift card balance shows that there was a charge attempt and holds {$0.00} in limbo for 10 days until the decline clears. 

It's impossible to get ahold of anyone at AMEX, to help me.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (GA)

I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXXXXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (ID)

Every year people from Santander bank call me threatening to sue me if I don't pay them over {$11000.00}. My ex-husband surrendered a van in XXXX  after our separation and then was garnished the remaining balance after the auction. They called today and said they are suing me and will be at my house tomorrow to serve me between the hours of XXXX and XXXX and I have to sign for it. This debt was paid in full 12 years ago. I'm scared and I don't know what to do or say to them. They want money now to settle outside of court. I tried to explain to them again today that there is no debt and I am not responsible for anything. He threatened me and hung up after saying that they are suing me. I get these calls every year. They knew my social security number, birthday and full name. I'm not sure if this is real or not. My x husband says to ignore it because they were paid and it was discharged and I don't have anything on my credit report about it. I would like to know if this is real or not and how to make it stop. Thank you.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.