davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: CITIBANK, N.A. (CT)

I am writing in regard to the AMEX/CITIBANK , N. A XXXX  XXXX. This item was disputed using CFPB. The complaint was sent on XX/XX/22. XXXX completed its investigation, including contacting the furnisher of the information. On XX/XX/22, XXXX responded and deleted the account from the credit report, but only XXXX deleted the account. The other credit bureaus didn't. 

This is a violation of FCRA 623. FCRA places the burden on the furnisher of the information to update any reporting so as to maintain its current accuracy. FCRA 623 ( a ) ( 2 ). Additionally, FCRA 623 ( b ) ( 1 ) ( D ) requires that if an investigation of a dispute, the furnisher finds any information to be inaccurate and thus in need of correction or deletion, they must provide those results to all other consumer reporting agencies to which they have also reported the disputed information, and not just to the CRA handling the dispute.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (TX)

Due to overwhelming debt I was forced to turn my debt to XXXX XXXX XXXX and have them negotiate payments I can afford. All of my debtors have accepted except Barclays Bank. They call repeatedly from XXXX to XXXX XXXX at least 7 times a day except Sunday. I have told them that XXXX XXXX has negotiated with them. I was current thru XXXX of this year with payments. Since XXXX they have been receiving {$290.00} a month. They say I owe an additional {$900.00} which I do not have. I've emailed them and told them that in XXXX I will have my income tax return and I will make good on the {$900.00}. I'am retired and live on my pension and social security. All of income or almost all of it goes to bill paying I can not afford to pay them more right now. Please them I'm doing my best to pay them. The number they call me from is XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I needed emergency dental care and used Care Credit XXXX Synchrony Bank ) for it. My card was charged XXXX separate times for a total of XXXX by my dentist. 
I never received anything in writing about any fees, promotions- I was just given a statement from my dental office with the amounts charged. 
Yesterday I went online to look up my account with Care Credit and was shocked to see my total due {$8000.00} when my balance was XXXX at the end of XXXX. Last month I made a payment of {$650.00} and havent used my card in over a year. 
I make my payments but I have been late a few times. I called XXXX and asked them how I could have such a high balance owed. The representative named XXXX told me I did not pay off the balance on my card before the promotion and that if I agreed to pay them {$2300.00} before the end of XXXX days they would waive the upcoming {$800.00} fee for missing payment in full. This is supposedly another promotion but I did not know about any promotions or fees I would be charged if I did not pay my balance off. I spoke with them a couple of months ago when I was having a hard time making my monthly payments and they offered me a settlement of XXXX payments {$1300.00} each month. I have been sick and in and out of the hospital and they rescinded that offer and told me the best they could do for me was for me to come up with {$2300.00} and they would waive XXXX {$800.00} charge coming up. I do not understand these charges or how they can continually hit my account with an {$800.00} fee every month. At this rate my credit card bill will be {$100000.00}.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-10-27
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. (GA)

XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting
Consumer complaint received 2023-06-22
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. (NV)

I am writing this letter on my own behalf. Upon reviewing my credit reports and gaining knowledge of relevant laws, I have come to the realization that both your agency and the collection agency are in violation of 15 U.S. Code 1681a ( 3 ), which pertains to the restriction on sharing medical information. According to this code, the exceptions mentioned in paragraph ( 2 ) do not apply when it comes to disclosing information to any person who is related by common ownership or affiliated by corporate control.
Consumer complaint received 2022-10-27
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-01-02
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. (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 2023-05-10
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: Experian Information Solutions Inc. (TX)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. It was marked as no further action but I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Brown’s New Credit Bureau Inc. (AZ)

on XXXX/XXXX/16 at XXXX I received a call from a XXXX XXXX introducing her self requesting why the bill had n't been paid after several notices had went out, when I asked to verify the address or the amount she responded never even advising me where the collection was from, 'you got the letters and continued yelling, i asked can she please lower her voice and i would verify my address since i moved within the last year. She continued yelling and cussing ( so not necessary ) XXXX if you do n't give me your address i will find you one way or another. i asked again please lower your voice there is no need to yell she continued with Im not yelling and im done i will find you, then hung up, i called back to speak to a supervisor and she answered the call saying she was the supervisor and that XXXX XXXX did n't have time for this nonsense and hung up again.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I opened a Capital One Quicksilver credit card, and I did not receive the promotional terms. The promotional terms were supposed to be 0 % APR for 15 months and a {$200.00} sign-up bonus. I received neither of these items when I signed up for the card. I tried to resolve this through the company, and they were not helpful.
Consumer complaint received 2023-03-02
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. (OK)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-07-09
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Samuel Whitaker & Associates LLC (TX)

On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase charged overdrafts fees allowed charges on account and refused to allow myself with POA to speak to me on my XXXX XXXX XXXX grandmother 's account. Froze her funds when she was XXXX  and had XXXX. Could not pay her board and care. Took over a year to finally get authorization to speak to them but said I could only close the account and take money out. Made me sign I would not make any claims before they would give me funds. Allowed internet charges when I told them she had told them not to. There was even a note on account. Chase allowed me access to this account until I complained and wanted to be refunded. I also am her executor and only beneficiary. She has passed now and I am still trying to pay depts. I lost my bank account trying to keep her care. Chase was aware I was handling her account and froze her funds after I complained. They said they wanted no association with me due to fraud in the past. I had several accounts with them myself and POD accounts for my aunt as well as stock. They forced me to close account to not refund charges. I went and took paperwork 4 times. They are taking advantage of the elderly knowing she was sick. Chase would give credit than take away the credit. As you can see I tried to resolve these matters on my own. Adore me was the only one to help with some. It still caused many fees. XXXX XXXX said no account in her name. XXXX XXXX XXXX said I had to go thru the bank. Flex shopper I did not contact due to the stress and other personal responsibility gave me no time and Chase would no work with me. I have a chronic illness myself and I had so much to handle. My grandmothers info was found in someone's possession and the DOJ notified her but Chase never cared to even look at the papers. I don't know if her information was used or not. I was charged all this money and they knew I complained. They avoided paying by only giving me one option which was to add me for 1 day than close account also sign I would not files any claims. This is unfair and I am asking for help for what is rightfully due. I sent a lot of paperwork but there is more if needed.
Consumer complaint received 2023-03-02
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

This is a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information the Crediet Reporting Agencies have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required by Federal law to remove any and all accounts and information that resulted due to fraudulent activity. Please help me have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} 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 XXXX XXXX XXXX XXXX XXXX. These items were unknown to me and should not be reported on my Credit File. If the Credit Reporting Agencies believe that the disputed items belong to me and have the rights, legally, to be reportin on my Credit File, I demand that the Credit Bureaus send me copies of documents they found along the way to prove such claims. In the absence of these documents, I expect nothing but immediate deletion of the distputed items.