davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

5 credit cards closed ... since 2010... making payments, etc Back then worth XXXX, XXXX, the 5 together... .which is worth a home equity line of credit Was Blacklisted Blocked defamated discriminated retaliated ilegally persecuted, harrassed
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

i received a XXXX payment from a friend. it has been placed on hold and now citizens is making me wait until wednesday to receive the funds. i have no money and theres zero reason to make me wait till wednesday. i need to buy food!
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (IL)

I DID NOT AUTHORIZE THESE INQUIRES. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Data and Contact Management Solutions, LLC ()

DCM Services has been harassing me and my family to try to collect on my deceased father 's alleged medical or credit card debt. They refuse to give any information regarding the alleged debt, which leads us to think they are trying to scam us. My dad did not have any estate or collateral at the time of his death. I have called DCM services, notified over the phone, etc. of this fact, and they still insist on trying to get personal information about my family by calling my siblings, relatives, etc. They have been sending me and my family letters, calling at inconvenient times ( like at XXXX  or XXXX ), calling my relatives as well at inconvenient times, threatened other family members of arrest if they do not pay or give the name of the executor ( which there is none as there was no estate ), etc. I have told DCM Services to stop calling, sending letters, etc and they still insist on harassing us.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (WA)

My husband is XXXX XXXX XXXX. My apr should be 6 % the are charging me 36 %. They have also tacked membership fees for opening the account and several others. This is a violation of the military lending act. My account should be reimbursed the membership fees and the other fees tacked on. Also it needs to be corrected to the max of 6 %
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

The credit card company charged me for a yearly subscription fee without my authorization or knowledge. Over time, they started reporting to the credit bureaus that the account was delinquent, increasing the past due days every 30 days. This situation has reduced my credit score by XXXX points, and it has been ongoing for over 6 months. 

Furthermore, I disputed the information with the credit bureaus, and the credit card company confirmed the erroneous information. Every time I call, the company assures me that it is corrected, but the information continues to be reported inaccurately, continuing to impact my credit.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am writing to complain against Equifax for discrepancies in my credit report. 

My credit report does not show any late payments. However, when creditors pull my credit, late payments are displayed. This discrepancy has caused me embarrassment and has cost me credit opportunities, including the chance to get a better rate. 

I have attempted to resolve this issue with Equifax directly but to no avail. The inconsistency between the credit report I see, and the one that creditors see is concerning, as it not only affects my financial opportunities but also undermines my trust in the credit reporting system. 

I kindly request your assistance in resolving this matter. I believe that consumers have the right to accurate credit information and that credit reporting agencies should be held accountable for ensuring the consistency and accuracy of this information. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/2023 two charges hit my account ; 'End Payment Processing ' in the amount of {$500.00} and XXXX XXXX ' in the amount of {$510.00}. I called America First Credit Union and advised them these charges were not made by me. They started an investigation and issued provisional credit for both amounts. On XX/XX/2023 I opened my account and there is a charge for {$510.00} XXXX Fraud Adjustment '. I contacted my bank, they stated that XXXX XXXX provided proof that I made this transaction and I would could contact XXXX XXXXXXXX or file a Civil Law Suite XXXX I immediately began searching for XXXX XXXX 's phone number to no avail to try to get this straightened out as I have nor will ever order from this site. XXXX XXXX does not have a customer service phone number.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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. 

has violated my rights. Or 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 2023-07-08
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: Experian Information Solutions Inc. (TX)

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 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Black Equity Lending LLC (MI)

I am the Listing Agent of the home at XXXX XXXX XXXX MI XXXXThe Buyer made application with XXXX XXXX XXXX XXXX of Black Equity Lending NMLS XXXX on XX/XX/XXXX The appraisal was to be ordered within 5 days of application per the PA. 
The Lender has refused to order the appraisal. The Lender has refused to provide updates on the loan mortgage status and keeps referring me to the Buyers Real Estate Agent.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account with the email address XXXX. I believe this limitation was a result of a misunderstanding or mistake, as I am confident that I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I have been a loyal PayPal user for [ insert duration ], and I have always strived to use the platform in full compliance with its terms of service. I make regular transactions for both personal and business purposes, and I maintain the utmost transparency in my PayPal activities. 

The permanent limitation on my account has caused significant disruption to my financial activities and has created inconvenience for both me and my business partners. I kindly request that PayPal re-investigates my case thoroughly and with an open mind. I firmly believe that upon a closer examination, it will become evident that there has been a misunderstanding or error in the initial decision to limit my account. 

I humbly request that PayPal considers reinstating my account if the investigation supports this outcome. Restoring my account 's functionality will not only alleviate the inconvenience I am currently facing but also allow me to continue using PayPal 's services, which I have come to rely on for my financial transactions. 

I understand that PayPal takes its policies and security measures seriously, and I fully support those efforts. However, I genuinely believe that this limitation was placed in error, and I am eager to cooperate with PayPal to resolve this matter promptly. 

Thank you for your prompt attention to this appeal. I am hopeful that, upon review, my account can be reinstated, and I can continue to use PayPal 's services without interruption. I am ready to provide any necessary documentation or information to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
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: JPMORGAN CHASE & CO. (PA)

I have had multiple hard hits to my credit in the last couple of weeks and I have not applied for and new lines of credit. 
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 2023-09-06
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

On my Experian report # XXXX I have disputed a few times already that they are reporting over and over inaccurate and incorrect information and that is damaging my credit report I am so tired of them doing this with items on my credit report! The issue is with my XXXX XXXX  Unsecured credit card I opened in XX/XX/2023 which is incorrect and when looking at the Experian you can see they even report it as when the card was opened and then they have backwards information reporting that the last update was XX/XX/2023. That information is backwards! Also, they are reporting that the account has been included in a bankruptcy which also is false information and reporting negatively to my report every month! This account has been closed but has a small amount of history from XX/XX/2023 to XX/XX/2023 of on time payments made and still a balance of {$100.00} which isn't even due yet until XXXX next month XXXX. Please Help me! Thank you!
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I had a Best Buy store card. Several months ago, I received a Best Buy XXXX Credit Card. The offer did not include the credit card terms and conditions to explain the fees, etc. so I called Best Buy. I said I did not want the XXXX card without knowing the terms and that I would keep the store card. I was told that unless I activated the XXXX card that it would not be implemented. I did not activate it because I did not have the terms and conditions. I shredded the XXXX card. Best Buy has since converted my store card to a XXXX credit card and moved over my balance. I called Best Buy on XXXX and the card department said that I would not be getting my store card back. If this is an unfair practice, I would like my store card back. I do not want their XXXX credit card.
Consumer complaint received 2023-08-28
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. (AZ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OH)

My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called Bridgecrest ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. Bridgecrest has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.
Consumer complaint received 2023-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (OH)

I filed a dispute the company had refunded the money and I have a copy of the receipt and my bank tells me they have no clue what Im talking about. No one can seem to tell me where XXXX $ is at
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

This information is on my receipt. 
I mailed a copy of my receipt with a letter to their customer service. 
Their reason for not correcting problem was I waited past 60 days. 
I made my XXXX payment in XX/XX/XXXX, before even getting my XXXX statement. 
First statement was XX/XX/XXXX due XXXX  NO INTEREST Second statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I had already made payment XX/XX/XXXX Third statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I pay my bills regularly " online at least a week ahead of statement. 
XXXX is when I noticed the interest when opening my mail. I immediately called and have been calling the store who tells me to call the bank who tells me to call the store, etc. for XXXX months now! Currently they are both refusing to fix THEIR error.