davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I've had a Paypal account for a long time, including a credit card and credit line. During this time, my account has been linked to XXXX XXXX for payments. For some reason, these accounts became un-linked several months back. I attempted numerous times through the Paypal website to link the accounts again, and kept getting an error message. I contacted XXXX XXXX, who told me they showed no attempts from Paypal to re-connect the account, and the issue was on Paypal 's end. So I reached out to Paypal, many, many times, via e-mail, their chat option, and by phone. Their customer service agents were unhelpful and usually told me some combination of a ) they couldn't help me, and b ) I needed to go to their website to link the accounts ( which wasn't working ). There were also multiple times where I couldn't get ahold of anybody, and times where their agent would tell me they were transferring me ... and then the line would just disconnect. Nightmare experience, and in the meantime, I was racking up a huge amount of late fees, penalties, hits to my credit, etc., and their collections dept. started blowing up my phone trying to collect ( even though I was trying very actively to pay! ) Finally today, after months of this, I got ahold of a very friendly and helpful lady at Paypal, who quickly identified a simple issue in their system and fixed it in about 10 seconds. It was basically along the lines of " oh I see here, you're not connected to XXXX XXXX in our system. There you go, I've fixed it. '' I have no idea why none of her colleagues could do this during the previous phone calls, although I could guess. Many of the agents I'd spoken to were unfriendly, and didn't appear trained or empowered to hep resolve my issue. 

So of course my next question was, how do I get the late fees and such taken off, since this was clearly a Paypal issue? Multiple transfers and phone calls later, I get ahold of a Paypal supervisor, who again was unhelpful, and not empowered to help in any way.

What a nightmare experience!
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Last summer my dog needed an expensive XXXX, so I opened a Care Credit account with Synchrony Bank to help pay for it. This was considered a 'promotional purchase, ' and if I paid off the entire balance by XX/XX/24 I wouldn't be charged interest fees. If I didn't pay it off by then, I'd be charged interest on the entire purchase. I also made XXXX additional 'promotional purchases ' at the vet later, one expires in XXXX, the other in XXXX. 

I made a {$520.00} payment in XXXX, paying off the first promotional purchase before the expiration date in XXXX, avoiding interest fees. I have screenshots of the account, showing the balance on that purchase was {$0.00}, and the status was PAID OFF. These screenshots are from the expiration date, XX/XX/24. If any further payments were required on that balance then they would have needed to tell me, so I could make the additional payments on time. But no, the balance clearly said {$0.00}, and the account status was PAID OFF. 

I logged into the account days later and saw that they transferred my payment from the balance that expired in XXXX to the balances that expire later. Now, since there is a balance on the purchase that expired in XXXX, I will be getting hit with interest fees. This is not right, as I paid off this purchase in time, and have proof that it was marked as PAID OFF. 

I sent customer service a message, providing them with the screenshots that prove I paid off the balance in time. I asked them to restore the status on that balance to PAID OFF. I also asked for an explanation of why they removed my payment from that balance. They did not fulfill either request. 

I am attaching the screenshots, which show that I paid off this balance in XXXX, and that my balance on the expiration date ( XX/XX/24 ) was {$0.00} and marked as PAID OFF. 

In summary : -My balance was due in XXXX, I paid it off in XXXX. 
-On the expiration date, the balance on this purchase was {$0.00}, and the status was PAID OFF. 
-Sometime later they removed the payment from this balance and changed the status. 
XXXX asked them to restore my status to PAID OFF and provide an explanation, they did not fulfill either request.
Consumer complaint received 2024-04-18
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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: N.A.R., Inc. (MO)

This company has put inaccurate information on my credit file to receive money over XXXX debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/ I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2024 North American Recovery Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear North American Recovery, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by North American Recovery. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they may have on my creditworthiness.

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation. 

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting. 

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights. 

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (MD)

Mortgage Bank : Wells Fargo We paid off our loan in full on XX/XX/2024. 

Wells Fargo subsequently proceeded to take a a mortgage interest payment from our bank on XX/XX/2024, the day after the mortgage had been paid off. 

What right does Wells Fargo have to take an interest payment after the loan has been paid off? I contacted them and they said it will take up to XXXX business days to be returned to my bank. What rights do I have to reclaim lost interest?
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

I received a letter from Chase Bank ; ( reference # : XXXX ) ; denying my application for a XXXX XXXX XXXX account. I called them, was transferred to the fraud department where a woman named " XXXX '' was " working '' with me. She wanted additional information from me, which I refused to give, and she told me that she couldn't give me any details on the credit application when I asked for them. She told me that they could only work with the authorities. I asked when the application was submitted and she told me XX/XX/2023. I asked her how that could be when the letter was dated XX/XX/2023. She told me she couldn't provide me with any information, that I had to go to the authorities. I told her I expected this to be removed from my credit report ( s ) immediately and that I submitting this to the authorities. The call was disconnected.

Someone tried to get a credit card in my name through CHASE BANK, and Chase was absolutely, appalling to with. They must be in on this scam or they would want to help the consumer.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PLEASE SEE THE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 Balance XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Tuesday XX/XX/XXXX when I spoke to XXXX XXXX she read the notes in the file from XXXX XXXX. 

I was stunned because most of what XXXX XXXX read never happened.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Tuesday XX/XX/XXXX I called back in and spoke to someone named XXXX who said it was approved for an extension for XX/XX/XXXX to XX/XX/XXXX, but the call dropped. 

I then called back again for a 3rd time and spoke to a XXXX XXXX for an update to the status of my foreberance and according to XXXX XXXX the only foreberance on file is the one from XX/XX/XXXX thru XX/XX/XXXX. 

I asked for a supervisor and he said he could send a message or transfer me to leave a voicemail. XXXX transferred the recording said the person you are trying to reach does not have voicemail please reach out by email, but no email address was provided. 

What kind of madness is this? 

I called back in for a 4th time and spoke to someone named XXXX XXXX who stated there was an active payment plan in place which is contrary to what XXXX XXXX stated. 

As a customer having been told so many different updates I have no idea what the status of the request to extend the foreberance is and apparently neither do the representatives at Bank of America.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CO)

There is a fraudulent credit card posting on my credit report from Barclays Bank ending in XXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within 7 business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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: CITIBANK, N.A. (TX)

In XX/XX/2021, I received a 30 day late payment from XXXX XXXX Department Store National Bank ) for my credit card. I was alerted via my credit report monitoring service. I immediately called XXXX and told them I never received a bill. They did an investigation and advised the bill was sent via first class mail and to check with my local post office. I met with my local post office and they advised they needed the tracking information. I went back to XXXX and asked for the tracking information, but XXXX said they didn't have any tracking information on the bill. I went back to the post office and they told me since XXXX did not attach any tracking, XXXX couldn't confirm if the mail was even sent to my address. The tracking information would have been verification the bill was sent and/or delivered. I called XXXX and told them the post office couldn't confirm they mailed the bill or if it was delivered. XXXX said to simply dispute it with the credit bureau. I disputed it with XXXX, XXXX, and XXXX. I just got the XXXX results of their investigation and it says the 30 day late notice was verified and correct. This is wrong because I never received a bill. Also XXXX stated they did not have any tracking information to verify they sent me a bill, so I don't understand how XXXX came back with a result to the investigation that the 30 day late notice was verified. I wasn't notified of the bill until I got an alert on my credit report for a late notice!
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

After being approved for the Apple Card in XX/XX/2023, we used it to pay for heavily needed items as our financial struggles began to grow. I have several documented attempts to make payments towards my {$2000.00} XXXX credit card but each one has been declined for reasons that are still unknown to me. I have reached out several times to Apple and Goldman Sachs through their messaging systems and via phone calls. I've becoming extremely frustrated as I'm unable to provide a place to live for myself and my family. I'm also unable to build a financial future and save money, as my current bills are always being both early and on time.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I have had a personal credit card through Citibank for several years. In late XXXX, Citi contacted me with a " fraud alert '' and after reviewing recent charges I found several fraudulent transactions. I reported these to Citi by phone and they began an internal " dispute process ''. Four of the 5 transactions I reported ( dated from XXXX ) were eventually resolved and refunded, with transaction amounts ranging from {$2.00} to {$49.00}. 

There was one transaction in a higher dollar amount that did not appear to get investigated or go through the normal dispute process : Date : XX/XX/XXXX  Vendor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$3400.00} This transaction is not listed in the dispute center and when I have tried to call Citi support about it they have hung up on me multiple times. I have tried to contact XXXX  directly but they do not have any phone number published ; ultimately I was able to make contact via email and the company confirmed that neither my account nor my wife 's ( since we have both used XXXX to rent swimming pools ) created a transaction in that amount. I would expect Citi to issue a chargeback to XXXX or to otherwise escalate this issue with them, but they do not appear to have taken any action and Swimply no longer replies to my emails either. 

It's unclear to me as a consumer how I am supposed to handle a large, fraudulent charge like this on my credit card, and I believe I have exhausted the channels available to me through both my credit card issuer and the company making this charge. I'm confused by this whole situation and worried that I will be responsible for a giant charge that I did not accept. ( Note that even by XXXX standards, this is a large transaction. A typical amount would be $ XXXX {$200.00}, not {$3500.00}! ) Dear CFPB overseers- Please help me get this resolved ( either via Citi or XXXX ), so that I can get my money back.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.