davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (FL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (IL)

All experian wanted to do was sell an upgrade to my account. When I called to file a dispute. All 3 of the phone numbers on their website hung up on me, when I tried to talk to someone to file a dispute. The online chat just told me to keep trying. Finally got a website. Which said will be reviewed by XXXX XXXX not fixed.
Consumer complaint received 2023-09-03
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 (KS)

On XX/XX/2022, my Checking account with Wells Fargo was incompetent, as I was experiencing fraud. They had stolen more than {$2000.00} out of my checking account through Wells Fargo. Wells Fargo did not even alert me of this big purchase, I had found out myself by checking my bank account at a random time. It was devastating cause they had did it twice, stolen {$2000.00} out of my account twice, and I wasnt alerted both times. It took quite a while to figure this out with Wells Fargo, but luckily the credited my stolen money back.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX - Purchased made at Apple Store with the Goldman Sachs/Apple Master Card . Promotion was for 12 equal installments interest free totaling {$780.00}. I was paying on time and as agreed for this and ALL purchases on this card when I noticed my XX/XX/XXXX statement had terminated this installment plan and made the remaining {$320.00} due immediately or be subject to the normal Apple Mastercard interest rates. The XX/XX/XXXX statement gave no reason or explanation. After trying to explain this on the customer service line, I finally was able to get to a supervisor who began an inquiry. This took about XXXX hour of my time on the phone. That supervisor said please give them until XX/XX/XXXX to investigate. It is now XX/XX/XXXX and no corrective action has been taken or contact made to me. The current status on my account today remains " to avoid interest charges, an additional {$320.00} is due by XX/XX/XXXX ''. I will today be paying the balance to avoid interest charges because Goldman Sachs has failed to meet the obligations set forth in my XX/XX/XXXX purchase installment agreement.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

To Whom It May Concern, I am writing to lodge a formal complaint against Synchrony Bank for the unjustified closure of my Sams Club Card. My account was paid in full, was not delinquent, and I have maintained an excellent credit payment history. 

The bank stated the following reasons for closing my account : - Too Many Revolving Accounts With High Balance Compared to Credit Limit - Not Enough Balance Paid Down Over Time On Real Estate Secured Loans - Too Many Inquiries - Ratio of Non-Real Estate Loan Balances to Balances On Real Estate Secured Loans Is Too High These reasons are incorrect and unsubstantiated : 1. All my cards combined are using only 35 % of my total limit, far below any alarming ratio. The increased usage is due to attorney fees stemming from a recent divorce, a situation that shouldnt penalize me. 

2. I have had the same real estate loan for over 15 years and have never been late on a payment. This loan was in place at the time I was approved for my Sam 's Club Card. 

3. I have not initiated any new inquiries since the time my Sams Club Card was approved. 

I demand that Synchrony Bank provide evidence for each stated reason for the account closure. The action taken against me is unfair and takes undue advantage of my recent life changes, despite my continued ability to meet my financial obligations. 

I insist on the immediate reopening of my Sams Club Card account as the bank 's action is unjustified and not based on factual information. 

Please investigate this matter promptly and ensure that my consumer rights are protected. 

Thank you for your immediate attention to this matter
Consumer complaint received 2023-12-17
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. (FL)

n 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 ) Account # XXXX ( XXXX XXXX  XXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( Transunion ) Account # XXXX ( XXXX XXXX XXXX, Account # 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 2023-01-19
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. (MS)

On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX Bank in XXXX. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a Hard Inquiry was pulled against Transunion Credit Bureau. 

Transunion won't remove it from my Hard Inquiry unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send Transunion anything as well as my information is no longer in their system to even attempt to send Transunion a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for XXXX  years and without my approval to even be there.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP (NJ)

XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to XXXX XXXX or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, New Jersey Superior court should not accept these lawsuits or practices from this Firm as it is unethical.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased a car at XXXX XXXX XXXX XXXX on XX/XX/XXXX of XXXX. During the paperwork, XXXX XXXX set me up for easypay. I proceeded to check my bank account every month to make sure my payment of {$540.00} was being deducted, which it was. On XX/XX/XXXX of XXXX, I went to Honda Financial Services online to get a payoff amount and noticed a late fee has been accrued every month since I bought my car. I called Honda Financial Services to let them know that XXXX XXXX set up my auto pay incorrectly and I wanted all the fees reversed. The fees totaled {$970.00}. After two conversations with three representatives over two weeks, I was reimbursed {$500.00} in fees but still need {$470.00} refunded. I also reached out to XXXX XXXX XXXX XXXX to advise them of the error but they said there was nothing they could do and XXXX XXXX no longer works for the company. The referred me to XXXX, the general sales manager, but he never returned my call.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX I had became an authorized user on a capital one account my score was XXXX XXXX in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital one account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from capital one and credit one XXXX is not showing anything and is saying I was removed from capital one which is incorrect from XX/XX/XXXX to XX/XX/XXXX im still an active capital one member for my own account as well as the account that XXXX listed on as an account XXXX with full access
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. AMERICAN EXPRESS is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Consumer complaint received 2023-09-02
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: SUNRISE CREDIT SERVICES, INC (TX)

Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

This is not the first time this has happened. Even if I am 1-2 days late on a payment, this company called me back to back more than 8-9 times a day. If I do not answer, they call me under Unknown Caller. This harassment needs to stop NOW or I will take legal action. After doing my research on Comenity bank, it seems that they have quite the reputation for harassing their customers on a day to day basis. As of yesterday and this morning ( it is now Sunday, XX/XX/XXXX, XXXX ) I have received a total of 8 calls from them which is ILLEGAL.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MS)

Company was taking money from account not sure who and how told Wells Fargo was told by them that they can not promise they will not stop taking money and it continued to take me into overdraft. Money was lost for several months. One of my accounts was closed due to account being overdrawn for so long.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NV)

XXXX Jefferson Capital System- {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX. I XXXX presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Jefferson Capital System , has violated my rights.
Consumer complaint received 2023-12-19
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. (DC)

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 2023-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TX)

I am filing a complaint due to ongoing harassment from collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 

Description of the Issue : I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

XXXX XXXX XXXX  I requested AFFIRM an also XXXX that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.
Consumer complaint received 2023-12-18
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. (MD)

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 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC. (OK)

The insurance payment for the mortgage increased and it wasnt communicated in a timely or efficient manner. They held 2 payments and returned a third payment. I didnt learn that the payment was short until my other bank informed me that my credit score dropped XXXX XXXX due to a late payment. I supposed have a platinum account and they robo-called me instead of directly contacting me or leaving a message to return the call for an important message regarding the account.