davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue. 

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is not correctly allocating payments on their credit cards that offer multiple promotions on one single credit card. BofA does not show on the statements the minimum balance due for each of the multiple " balances '' on a single credit card : E.G. On my one credit card, there is a " Purchases Balance '' and a " Balance Transfer Balance '' and a " Direct Deposit Balance ''. Instead BofA shows just One minimum balance due. This is Not transparency. When I make a payment on the card, I pay above and beyond the " one minimum balance due amount shown ''. The excess payment is supposed to be allocated to the three balances in a certain order, but it is not clear from the statements how that is happening and it appears that it is inaccurate. When I spoke to a manager at BofA about it, she said multiple people complain about this all the time to her. She said the statements show " average daily balances '' so it is not possible for me to reconcile my account on my own. I have to " trust '' BofAs math. She told me the min balance due does not actually pay off all minimum balance due on the 3 balances, but instead gets applies to one of the promotional balances. When I did the math, it did not add up that indeed even that one promotional balance was receiving the " min amount due '' which is when she explained that was due to average daily balances being shown on the statements. So the balances shown on my statement are not in fact the balances at the end of the period, but " average daily balances ''. How can I reconcile my accounts if I do n't have accurate numbers? One customer rep told me none of the excess payment was going to purchases. The manager told me that the excess payment is going to purchases. I spent about 2 hours on the phone talking to multiple reps. I can not get a straight story and I can not reconcile my accounts. It appears my payments are not being properly allocated and the statements I receive make it impossible for me to reconcile. And Bof A knows that. The manager told me that there was nothing she could do, that is just the way it is. The fact that the " min amount due '' payment is not in fact paying my purchases down, means BofA has come up with a method to make as much money off me as possible with as little transparency as possible, and with no way for me to actually check for myself how the payments are being made. I do not Trust Bank of America 's calculations and there is no way for me to check them. This is predatory and exploitative.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I've been trying for the past three days to remove a security freeze from my account. I have used the web portal and made numerous calls to the consumer service lines. I am consistently told that the freeze has been lifted, but when my mortgage broker goes to pull my credit report it is still showing as frozen.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (VA)

I used a synchrony card to buy a bicycle to commute to work and train. The amount was XXXX. I was given a year to pay it off with no interest. The minimum was XXXX. I paid XXXX and sometimes more for a year. When the year ended I had about XXXX dollars remaining. XX/XX/2023 I was slapped with a XXXX dollar charge. This was the date the zero interest deal expired, making the amount due over XXXX. I paid off the entire outstanding bill. 

I am troubled by two issues. First, I am a father and a husband. If one of my children had bought a bike for college, they could have easily fallen prey to such chicanery. Second, I was charged a late fee for the first payment despite never receiving any details about the bill and who to pay.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (OR)

there is a collection account on my report and I have a court document from my county court house showing I don't owe any money to this agency and the Equifax still reporting I have collection account and owe them money, even when I sent them the court document stating that I don't owe any money to this collection agency..
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (WI)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (MD)

On XXXX XXXX XXXX I received an alert about an account under the name of Aldous and Associates had been created under my credit report. On XXXX XXXX XXXX, I received an alert about a nonmedical collection of {$170.00} to XXXX XXXX XXXX. 

However, under article 809 in the Fair Debt and Collections Act, it is written " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ''. 

Prior to observing the alerts of a new account on my credit report under the name of Aldous and Associates, I received NO " initial communication '' regarding the debt, nor did I receive a " validation of debts '' regarding this collection. I did not receive ANY communication regarding this debt from Aldous and Associates, whether the communication was written, electronic, verbal, or any other possible form of communication. I have not yet received a validation of debt, nor notice of debt, nor information regarding my rights to dispute this debt, nor any other form of communication in regards to this case. 

Therefore, I am writing this complaint in regards to the lack of communication from Aldous and Associates prior to creating and reporting the account to credit reporting agencies.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NY)

I have had a Banana Republic branded credit card for many years. The servicing bank was recently changed to Barclays. Barclays mailed me a new card, but this card was damaged, with no legible number. I was unable to resolve this issue over the phone, as the agent could not figure out how to help me, and I decided to simply stop using the card. 

After my husband made legitimate charges on this account with no physical card in the store, I decided again to try to resolve the issue of the damaged card. When I called Barclays, the agent offered to express mail me a new card and did so. She did not tell me there was a charge for this service and I did not authorize a charge. 

I then received a bill for the legitimate charges as well as a {$15.00} charge for mailing the new card. I placed XXXX calls to complain. On the first call I was asked to call a second number. XXXX calls to that number were disconnected after lengthy conversations with agents. 

I paid the legitimate charges but disputed this {$15.00} charge in writing per Barclays policy ( first letter XX/XX/2023 ) and requested that my account be cancelled. Barclays responded in writing confirming cancellation of my account but did not address my appeal of the fraudulent charge. I disputed the charge again in a second letter dated XX/XX/2023 and Barclays has ignored my written dispute and continued billing me in defiance of their policy. 

I have given up and paid the {$15.00} rather than risk any harm to my credit rating but I wish to make a complaint against Barclays for, first, applying this charge that I never authorized, and second, failing to follow their own dispute policy and ignoring my dispute and continuing to bill me.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX5 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.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (OR)

I purchased the vehicle from Carvana on XX/XX/2023 and had a scheduled pickup date of XX/XX/2023 at XXXX to bring my trade in and pickup my new XXXX XXXX. 

Today at XXXX Carvana emailed me that my XXXX was at a stop in California and 75 % of the way there from the origin of Arizona XXXX Then, less than 20 minutes later at XXXX I received an email from Carvana that there's been a delay and that they have rescheduled my pickup for XX/XX/2023 at XXXX. 

This is the 3rd vehicle I've purchased from Carvana, and the 4th attempt ( what would have been the 3rd purchase I ended up cancelling due to a delay ). Every purchase from Carvana has been delayed with no explanations and is a definite pattern that has developed in luring customers in with a promised date, only to be delayed numerous times. 

It is unreasonable to expect that my vehicle could be transported 75 % of the total distance from Arizona to Oregon within 3 days, and then suddenly take over 10 days to make the final 25 % of the trip from California to Oregon. 

Despite that the vehicle is now in California, and likely be in Oregon by this weekend, they are rescheduling me for over 10 days later to pickup as they claim this is their soonest available pickup time. 

As I purchased prior to others, they are failing to make my purchase priority over others so I can come pickup once the vehicle has arrived in town. 

In addition, every advocate from Carvana I speak with refuses to forward my complaint to upper management. 

For this particular purchase, I had to pay {$1700.00} for transportation costs, and am told that despite their inability to deliver the vehicle in a timely manner as promised, that should I decide to cancel the purchase, I am still required to pay the transportation costs. 

In my researching the issue online, this appears to be not only a pattern that has developed with my purchases through Carvana, but also a trending pattern that many other customers of Carvana have been consistently experiencing.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Incorrect name name, addresses and phone numbers. I have disputed several times and it was removed but back on my report. I called Transunion and asked for a  US  rep and was given  XXXX   (   XXXX  ) who just kept transferring me to a voicemail.
Consumer complaint received 2023-05-31
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: DISCOVER BANK (NY)

I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (AL)

U.S.C in Violations 1. Title 15 USC 689n ( a ) ( b ) Unlawful acts and Omissions, breach of fiduciary duty 2. Title 12 Ch.X Part 1006.34 ( a ) ( c ), c ( 2 ) ( v ), c ( 3 ) ( ii ) Validation Information Required 3. Title 18 USC 1001 a ( 1 ) Statements or entries in generally 4. Title 15 USC 1681s-2 ( a ) ( b ), ( f ) ( 2 ) ( b ) ( f ) ( 3 ) Responsibilities of Furnishers of information to consumer reporting agencies 5. Title 15 USC 1611 ( 1 ) Criminal liability for willful and knowing violation 6. Title 18 USC 242 Deprivation of rights under color of law Denied Rights to Discovery 7.Title 15 USC 1691 ( a ), ( a ) ( 3 ) Scope of Prohibition 8. Title 15 USC 1681o, ( a ), ( a ) ( 1 ) Civil Liability for negligent noncompliance Requested verification Information. 
1. They did not produce a promissory note ; there was no verification. Noncompliance 2. Did they produce a contract signed by XXXX XXXX XXXX and by XXXX  ; No verification or disclosure was provided. Noncompliance 3. Did they produce any verification of their claim ; affidavit/signed invoice was not provided willfully. 

4. When asked who the original creditor was, did they state clearly whom it was and their address ; they willfully denied full disclosure and failed to give proper verification information. Noncompliance 5. There was no Unreserved acceptance by both parties. ( I reserved my rights to rescind ) 6. Was equal consideration exchanged? No disclosure or verification was given. 


7. Have any other accounts been opened in my name at my address with or without my consent? No disclosure or verification was given. 

8. They disclosed my personal information to consumer reporting agencies. They reported under three different names : one name per agency. Reporting unverified incorrect information causing damage. 


9. Has the account been securitized? What is the Cusip-number? No disclosure or verification given. Noncompliance
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (FL)

According to my credit report at the end of XXXX, I was authorized a credit card which, was not requested by me, I called the applicant bank and requested to close it. That card did not have any knowledge again, until I reviewed my credit report where it tells me that I have a debt of {$6000.00}. 

Said card had a limit of {$1500.00}. I contacted the company in this case Apple Card. and requested that they send me where these payments were made from that card since at no time did I make any payment corresponding to that card, and the payments said by apple were returned. my credit being affected, and being affected considerably, since the card was used 300 % of what was available to be able At no time did I receive any letter from Apple, no notification regarding a debt with them, or anything. According to the records in XX/XX/XXXX, they made multiple payments without success and are not registered under my name. 

In XX/XX/XXXX, they tried to make another payment of {$2100.00} for automatic payment, which I do not have any automatic payment or accounts registered with that entity.
Consumer complaint received 2023-07-18
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. (TX)

I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NM)

I was issued a new credit card by Wells Fargo Bank because they took over the XXXX XXXX  hotel card from XXXX XXXX. They refuse to allow me to enroll in their online account management program to pay my bill. They have an outdated phone number that is in their records and they refuse to correct it so I can receive their 2 step verification code. After an hour on the phone with customer service I sent an email to their investor relations dept because that is their only email contact They forwarded it to their credit card dept which has failed to respond
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On Tuesday XXXX XXXX, XXXX I tried logging into my chase bank account and saw that my account was locked due to suspicious activity, I immediately called and talked with chase and was asked to give a number to verify a check I had deposited into my account, I gave the number and was told to call back. I called back the next day Wednesday XXXX, and was told again to call back another time with no explanation, I then kept calling everyday ( only to be told to call back every time, receiving no help or information ) I kept calling leading up to Tuesday XX/XX/XXXX when I called and was told that my account was closed because the check could not be verified with the number I provided, at no point before my account being closed was I informed that the number wasnt verified even though I had called every day. I was also told that I would not be able to open an account with chase ever again. My check was completely valid, and had I been told any of the previous times I called I would have provided a different number and the issue could have been resolved. I feel like I got XXXX help or care from chase and was unfairly banned from their banking network. ( JP Morgan ).