davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (VA)

Good day, I am writing this complaint due to the way I was treated by merchant Synchrony Bank as a longtime customer I expected better. Their sarcastic and condescending behavior is not appreciated. I also work in the   XXXX   XXXX   and this is not acceptable by any means. I contacted this merchant on  XXXX  to resolve a matter on which I was not aware until now ; I was lied to by the original merchant (   XXXX   ) about the promotional period. When I noticed that I was going to be charged an additional {$680.00} in deferred interest as of  XXXX / XXXX /  XXXX   I immediately contacted Synchrony Bank to resolve the matter. This merchant was less than helpful their representatives are less than knowledgeable and very frustrating ; all they do is repeat the same thing over and over. I tried escalating call however was left on hold for 30 minutes, I also tried calling this merchant back on  XXXX  to again try to resolve the matter and again they were not helpful. I have  XXXX  other accounts with this merchant all my accounts are in good standings and have never had this or any issues.     As a consumer I have to be given a fair chance to pay a debt off. How can this happen, you are telling me that my bill of {$860.00} will increase to {$1400.00} as of  XXXX / XXXX /  XXXX   and will take me another 3 years to pay this debt off. This is due to no fault of my own I was lied to by the original vendor (  XXXX  ) I should not be the  one  to suffer. I would not have purchased the product if I know this is what the terms were going to be. Synchrony Bank said pay the remaining balance in full by  XXXX / XXXX /  XXXX   to avoid the additional interest. I have reached out to Synchrony Bank on   two   occasions  XXXX / XXXX /  XXXX   &amp;  XXXX / XXXX /  XXXX   with no resolve.     Regards
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

My Venmo account was suspended on XX/XX/XXXX without a reason. I had requested a reason for my Venmo account being suspended and the support agent said they did not have access to this information, and I would be given a reason in " 7-10 business days '', which is not a reasonable amount of time when having access to my money is involved. I had also submitted a request through their online portal and it said that they were going to respond in 24 hours. I still have not received a response. The amount in my account is {$310.00}.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (LA)

We excercised our right as a XXXX family to reduce a APR of 27 % on my vehicle loan. We were denied even after submitting orders my husband was on during the time I had applied for the auto loan. Til date I havent been given written notification saying I am not eligible as a milospouse. Initially via telephone call I was told I didnt qualify as my husbands name wasnt on my auto loan. But he couldnt co sign cos of a bad credit history. XXXX XXXX  approved my loan on a. 27 % interest rate which I can not afford to pay. As a result we now can not afford to live day to day but need the vehicle for daily commute. The person name XXXX XXXX at XXXX XXXX has been extremely defiant in terms of helping us in accordance with the SCERA laws and reducing to atleast 6 %. The initial email was sent XX/XX/2023, he had made us wait 45 day ( according to his wait times ) and still hasnt given us written notice that we were not eligible for this reduction despite sending proof of my husbands XXXX XXXX orders during and around the time we purchased the vehicle. He is XXXX but he was on XXXX XXXX orders. XXXX XXXX ( Director of compliance ) has been extremely uncooperative in terms of adhering to SCERA laws and is looking for anything to not reduce the 27 %. It is sad that XXXX members have to suffer these circumstances and cruel treatment. To date he has not contacted us beside my husbands call to him requesting feedback to which he said we didnt qualifying. I just want to clarify that we dont and/or if we do can this please be reported and assist us in doing so.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on Equifax Report Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy I have discovered on my Equifax credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/year>. 

On XX/XX/year>, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my Equifax credit report, I noticed that there are XXXX separate hard inquiries listed on the same day, XX/XX/year>, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my Equifax credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX XXXX XXXXXXXX - Dated XXXX XXXX XXXX - Dated XXXX XXXX XXXX - Dated XXXX XXXX XXXX Dated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am exercising my right to challenge questionable information that I have found on my personal credit report. A fraudulent application for credit was submitted in my name without my knowledge or approval to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my Equifax credit report on the same day, resulting in the following hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the above hard inquiry, which I did not authorize. I understand that inquiries are a factual record of file access and are not routinely removed from an individuals credit file, however this inquiry is the result of fraudulent activity and is adversely affecting my credit standing. Given this, I request that you promptly remove the fraudulent inquiry from my credit file. It is essential that my credit report accurately reflects my credit history. If it is not possible to remove the inquiry entirely, I request that it be recoded as a soft inquiry so that it will no longer have a negative impact on my credit score. I have already filed 3 disputes through your online dispute center requesting that you remove or recode the inaccurate information from my file, and you have failed to do so. The reference confirmation numbers for these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being provided with the option to select I believe I am a victim of fraud or identity theft and this inquiry is not mine through your online dispute filing process, I was informed upon calling your office on XX/XX/2023 that disputes involving fraud can not be handled online. If this is the case, your online dispute process is clearly misleading. I have also already filed complaints with the XXXX XXXX XXXX and the Massachusetts Attorney Generals Office, resulting in 2 more disputes being opened and closed with no remedy. The reference confirmation numbers for these disputes are as follows : XXXX, submitted on XX/XX/2023 XXXX, submitted on XX/XX/2023 Accordingly, I can show a judge that this hard inquiry is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove or recode the inquiry. My previous disputes and complaints stated my reasons for an investigation, and these reasons were not frivolous in any way. I take my credit very seriously, and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I have attached documents to substantiate my claim regarding unauthorized access to my credit file as a result of fraudulent activity. Please provide a response confirming your actions in this matter.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC. (NC)

XX/XX/XXXX  Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX   RE : Collection Notice, Creditor :   XXXX   XXXX   Client Ref # :  XXXX  Acct. # :   XXXX     XXXX   : I received the attached collection notice in reference to the aforementioned account, dated  XX/XX/XXXX , on Friday,  XX/XX/XXXX .
I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal  XXXX  customer since  XXXX , 15 years while residing in  XXXX ,   XXXX   and the remainder of that period while in  XXXX ,   XXXX   XXXX  . 2. My service at   XXXX   XXXX   XXXX   XXXX   w as canceled in  XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system.
3. In XX/XX/XXXX , I paid  XXXX  {$1300.00} for a full system installation at my   XXXX   address. This, after having service with  XXXX  for 15 years in  XXXX  and  XXXX   XXXX .
4. I considered using  XXXX  again, after I moved in  XXXX  of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system.
In summary, to have been a loyal customer of  XXXX  for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking  XXXX  to courteously accept my offer of a final payment of {$280.00}.
Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved.
( Over ) Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX    XX/XX/XXXX ( Cont. ) Sincerely,   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NC)

The original creditor is Comenity Bank whose debt I've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting Comenity Bank which continues to re-age the account and continues to present this account MONTHLY to the EACH of the Credit Bureaus. The statute of Limitations has been violated. The customer also repeatedly attempted to CALL back to back several times a day. Then it stopped.. Then the account showed as a NEW Collection.
Consumer complaint received 2023-07-14
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Vance and Huffman LLC and it is showing on my credit report without my consent. I have no contract with Vance and Huffman LLC and have given no consent for them to use my name, likeness, or credit data.

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I had fraud on my checking account where someone spent {$360.00} over multiple transactions. I submitted a fraud claim with Wells Fargo on XX/XX/XXXX and today XX/XX/XXXX I received a notification that they denied my fraud claim. I called and tried to appeal, but they said there was nothing they could do. The transactions were international from XXXX when I had just spent money in Arizona less than 2 hours before the fraud.
Consumer complaint received 2023-11-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

The new card was opened. A gift paid by visa from my sister for a birthday on XX/XX/XXXX. {$300.00} value. 

Gift card is missing middle numbers upon opening and missing security code in the back. 

This is new card that was just unwrapped. Vanilla gift card. Tried calling and they will not respond without a card number and there is no card number. So. No way to contact or resolve by intentional actions of the company it seems.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have XXXX credit cards with bank of American I mail the payments most times for both credit cards. I use checks on my bank of American accounts. they cashed XXXX but not the other. I waited XXXX days and still nothing. I tried to contact them via the app and now on the phone. I have been on hold for XXXX mins. I will have to put a lost / stop payment on the check. I want them to research how they cashed XXXX but not the other when they were in the same envelope.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (VA)

I pay Wells Fargo {$45.00} a month on my XXXX XXXX account. As soon as I pay {$45.00}, they then charge my account {$45.00} so it looks as if I have not paid anything then charge interest on top of that.