davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

XXXX months ago I opened a US Bank credit card account with promotional 0 % balance transfer offer for XXXX  months. I used the offer. 

XXXX day - that's right, XXXX day (! ) - after the offer expired this XXXX, US Bank reduced my credit limit by 21 % out of the blue! No prior communication, nothing. I'd never missed a payment with them or with any other financial institution for XXXX  years! 

In addition to violating several legal doctrines, I consider the original offer a bait-and-switch practice. Had I known that IMMEDIATELY after the promotional offer expired they would significantly reduce my credit limit, I'd have not accepted opening the card and the offer. Putting customers after the fact for no objective reason is absolutely disgraceful. 

Needless to say, their reasoning " The primary reasons for this decision '' is total XXXX ( sorry for the word, but it's true ). They should evaluate customers on actual and objective credit worthiness, not on AI automatically setup biased actions that use flawed metrics and algorithms. And they DO know that I'm credit worthy. 

Let me also remind that the Federal Reserve has been decreasing interest rates and will continue to do, so US Bank 's decision is even more controversial and illogical. 

[ PS. Let me tell you what they are going to do first : They are going to shift the blame to the credit reporting agencies and say " Hey, look, they said you were not so credit worthy, so we needed to act ''. Obviously, they didn't have a problem saying the opposite XXXX  months ago when they approved me for the credit card and the offer, given my credit situation was basically THE SAME. Oh yeah, I do have evidence. ]
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

My name is XXXX XXXX. On XX/XX/2021, there was an unauthorized transactions for " XXXX XXXX '' in the amount of {$970.00} and " XXXX XXXX '' for {$370.00}. These are unauthorized transactions that were made fraudulently on my account. Chime Bank has denied my claim and hasn't supplied a valid reason for doing so. They also didn't include the second unauthorized transaction for " XXXX XXXX '' {$370.00} in the claim, which was denied anyway. I am entitled to a refund for these unauthorized transactions as they weren't made by me, they were made fraudulently and stolen from my account. Chime is fraudulently withholding my funds for these transactions.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-12-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (NJ)

My car was repossessed on the day the bill was actually due I assume somewhere around XXXX. I was on the phone with them speaking to different people and requested a copy of the policy because they told me I need proof of insurance proof of employment and could only pay through XXXX XXXX which was not near me. I asked to see copy of policy stating this is how they do business and was denied and told if Im going to keep asking for contracts and policy they will not give me my car back. After two- three days of struggling to get to a XXXX XXXX cash only place and get to my car Friday I finally got there and they stalled for hours getting to release my vehicle and the place closed. Monday I went back to get my vehicle and had to pay {$150.00} to the yard that had it and my car actually would not start and I had to get a new battery. They parked the cars so tight my car was actually scratched and dented in the process. While locking over the paper they had me sign I realized they over charged me by XXXX XXXX and they never told me of the fee I had to pay to the car lot. They have also charged me an extra {$150.00} stating it was because they did not have the keys to my car and why would they when they repossessed it without my knowledge. Which was not on the paperwork they had me sign nor was I told about it upfront. I have recorded all our phone conversations and I do have copies of the paperwork I signed. They completely ripped me off.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CO)

They have been robo-calling me for over XXXX months. I answer they hang up. 
Today a guy named XXXX XXXX finally picked up and promptly told me they were going to sue me if I did not arrange to pay them for XXXX XXXXXXXX today. When I complained about the robo calls he said they are trying to collect a debt. He told me the call was recorded at the beginning as well so they have a record of the call.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/22 I contacted CapitalOne ( XXXX XXXX credit card ) concerning an interest charge in my new statement, even though the previous statement balance had been paid IN FULL five days before the end of the billing cycle ( I even paid more than the balance ). The interest charge was {$16.00}. 

To make matters worse, the interest charge was assessed on an amount higher than the balance statement. 

The agent I spoke to tried to guess what the problem was but was not addressing the issue : she guessed that it was a previous monthly balance, was there was none. She guessed that I had not paid in full, but I paid more than the balance statement. Even though the agent was guessing, they were intent on simply declare I was wrong. Nothing came out of this conversation. 

Their explanation in the statement comes to " '' How is the Interest Charge Determined? '' ( below ). But that description does NOT unequivocally state whether it is the END OF THE BILLING CYCLE or the DUE DATE that is determined to charge interests. CapitalOne simply interprets this in their favor, while a plain reading of the description and other documents makes. But any fair reader will see that the phrasing very much indicates that it is the END OF THE BILLING CYCLE WHAT COUNTS. 

CapitalOne seems to be praying upon costumers based on loose language they use their power to interpret in their favor. 

CapitalOne agents and surpervisor were acting as if my only recourse was to complain to CapitalOne. They were cagey about how I could proceed with my complain outside CapitalOne. 

Actions : besides talking to them, I am submitting this complain, and will submit another with the XXXX XXXX XXXX. CapitalOne did nothing. 

" How is the Interest Charge Determined? Interest Charges accrue from the 1 ) date of the transaction, 2 ) date the transaction is processed or 3 ) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any interest that has accrued during a billing period will post to your account at the end of the billing period and will appear on your next statement. This means you may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the previous month. ''
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 an account without my written instructions 15 U.S.C 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 2022-12-11
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. (FL)

In Accordance with the fair credit reporting ACCT XXXX XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 purpose.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are four fraudulent acocunt that has been opened in my name without my permission. These accounts were opened fraudulently, Ihave advised the creditors and requested documents or a contract showing my signature authorizing them to open this acocunt. They have not sent me anything in 90 days. I have also tried to file a diosute with XXXX XXXX and XXXX and they are no help. They keep referring me to the original data furnished and have told them many times i have spoken to the creditors and they send me back to the creditors. 
XXXX XXXXXXXX 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
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX does not want to solve any of the claims I filed, and instead closed my accounts and washed their hands. However, they were very wrong as they can't just wash their hands and leave. They need to reimburse me for all claims I made ( and provided proof for ), and lower my credit balance. I will not make any more payments to the {$XXXX} they say I owe because i really don't owe them anything and besides I dont have the money to pay for purchases I never received or were different than advertised.
Consumer complaint received 2023-11-09
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: CHARLES SCHWAB CORPORATION, THE (NV)

XXXX  CHARGED ME {$53.00} ON XX/XX/2023. I DID NOT ORDER THIS. i CALLED THE CREDIT/DEBIT CARD COMPANY AND THEY TOOK IT OFF ON XXXX XXXX. ON XXXX XXXX THEY PUT IT BACK ON. AFTER 3 MORE CALLS TO THE CC COMPANY THIS IS WHAT THEY TELL ME. IT WAS MY EMAIL, MY IP ADRESS AND IT WAS A RENEWAL. GREAT LET THEM SHOW THE ORIGINAL CHARGE ON THE ACCOUNT, BECAUSE THERE IS NONE. THEY HUNG UP
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (WA)

There was a PayPal CREDIT CARD opened in the spring of 2020 that was opened fraudulently under my name that I have no knowledge of nor did I open it myself. I did have a regular XXXX XXXX XXXX account with them which I had set up and recieved notification of and all of those purchases that were made by me were paid for. The XXXX XXXX, XXXX, was never opened by me nor was I the one using it. Unfortunately, I had made additional payments to this thinking it was the XXXX XXXX XXXX. Only looking and calling the bank with whom it's thru did I realize that this was opened and used without my knowledge.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, 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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-12
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, 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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-12
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. (CA)

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXXXXXX 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 2023-09-27
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: Experian Information Solutions Inc. (GA)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I was trying to by a house and realize. I have damages on my credit report.According to the 15 usc, 1681, Law. There should not be any damages on my report it is a defamation to my character. Collections, inquiries, charge offs
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested. 

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a Q card which is QVC 's card through Synchrony bank. I made a purchase on the card taking advantage of their easy pay plan which bills the card in interest free payments. I received my bill with the first amount billed which was correct. Then I noticed a fee of {$1.00} for receiving a paper bill. I have had this card for several decades. I never received any notification that unless I used E statements there would be a fee. I talked to a representative at Synchrony Bank who was no help and would not remove the charge. I did sign up for XXXX statements since but probably won't use this card again. 

The statement was received around XX/XX/XXXX. It is due XX/XX/XXXX. My easy pay payment was {$32.00}. I was billed {$34.00} which included the {$1.00} fee. Since the representative at Synchrony Bank would not remove the fee. I paid the total amount on XX/XX/XXXX through my on line bank. 

I realize it was only {$1.00} but these fees add up.