davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

Macys doesn't mail the credit card statement to charge late fees and interest. 
this is how they make their money. I was paying careful attention to the website, trying to figure out why I wasn't getting statements. i always opt for the statements coming in the mail. it is still the best way to pay attention to paying your bills. 
when I noticed Macy 's scam. there's a small checked boxed for no statements that pops on the screen. it's not obvious and can easily be passed by. it is very fraudulent and should not be automatically checked in by Macys. 
I am requesting all my money back. all late fees and all interest. 
they also should not be allowed to have an interest rate of 26.74 % I will attach screen shot.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

I have contacted National credit systems on multiple occasions I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also to their email as requested at identitytheft @ nationalcreditsysyems, XXXXnationalcrediysystems.com and XXXXnationalcreditsysystems.com. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX XXXX XXXX XXXX XXXX please investigate this read the police report and remove this from my credit reports.
Consumer complaint received 2019-12-03
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. (FL)

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.
Consumer complaint received 2022-09-12
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. (GA)

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed
Consumer complaint received 2023-03-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Date : XX/XX/2022 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 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 2022-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

I made more than 6 transfers from my Chase savings account to my Chase checking account in a statement period and Chase charged me a {$5.00} fee. I sent them a message through online banking on XX/XX/22 and told them I thought the transfer fee was unfair, because there are no more Regulation D reserve requirements and Chase bank doesnt provide a service commensurate with the fee that they charge. I did the transfer between accounts through online banking, so there was no service provided in exchange for the fee. Chase responded and told me they dont charge fees for transfers between Chase accounts, but do charge a fee for more than six transfers in a statement period ( which doesnt make sense ). So then I closed my Chase savings account and transferred the balance to my checking accountand they charged me another {$5.00} fee. I sent them a message on XX/XX/22 and basically got the same response from them. I think the {$5.00} fee for making more than six withdrawals from a savings in a statement period is a junk fee. Theres no point to it. Theres zero service provided in exchange for the fee, and Regulation D no longer restricts the number of transfers that can be made from a savings account in a statement period.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Last year 2018 I have been recovering from XXXX XXXX. I have been contacted by Portfolio Recovery Associates regarding an account from XXXX XXXX XXXX. They are claiming an Opened account with them was established on XX/XX/2018. I first off do not owe them any money. I have asked them via letter and phone conversation to not contact me again regarding this account. They have since harassed my current husband on his personal cell. He is not tied to any accounts that I own nor does he have the right to make decisions on my behalf. They have contacted his mother on her personal home phone looking for me as well as now contacted my ex-husband, ( so they thought it was him but conversated with his now current wife regarding my account ). I have not spoken with this man in over 16 years, how embarrassing!! My rights have clearly been violated! After I contacted all 3 of the credit bureaus requesting an investigation regarding this account as well as sending Portfolio Recovery Associates a letter, dated XX/XX/2018, requesting them to not contact me again ( letter enclosed ) they have sent another letter to me ( attached as well ) They have also reported another derogatory remark on XX/XX/XXXX to my credit report since the investigation started on XX/XX/XXXX. Copy of that negative remark notification is attached as well. They have yet to provide any proof that I signed a contract with their company and that I promised to pay them anything. I have now contacted an attorney regarding the violations of my rights!
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 — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX  XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to Chex Systems and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXX  XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX  years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n  begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chex systemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Applied for a Modification on XX/XX/XXXX. After almost 3 years of unemployment and/or underemployment, I finally got work that paid me more than I made when I was approved for the mortgage in the first place. ( I am seriously under water and owe much more than my house is worth ). So, working out something with my lender was my only available option. Being that I was once again gainfully employed, I was confident this would be good news for all concerned, including PHH Mortgage. I have since been grotesquely surprised. 

Things started off nicely - PHH Mortgage assured me, in writing ( letter attached ) that foreclosure wouldnt happen while I was being considered for a modification, as long as they received all the required documents, which I promptly submitted.

Then I started receiving a series of superfluous requests from PHH - all of which I nevertheless promptly responded to - here are a few examples : requiring me to certify that I was no longer getting any self-employment income ( despite clearly filling out their financial statement and submitting bank statements that showed I wasnt ), then. asking for tax returns that I had already sent to them more than two months ago ( electronically, so I have proof ), as well as asking me to provide a new bank statement, put the loan number on every page, and then sign the bank statement what on earth does my signature on an official bank document do? I nevertheless signed and submitted it. All for naught it was all a game to buy them time to get a  foreclosure through the courts. 

To date, I am yet to receive a decision on my loan modification. Instead, last week, literally days before XXXX, I received notice of a XX/XX/XXXX foreclosure sale date on my home. 

How is it ok for a lender to mislead a homeowner, string them along with a series of mind-boggling document requests, all the while biding their time to get their foreclosure action together, than spring it upon me and my family? ( I have a very sick sister living with me with XXXX  XXXX XXXX ( XXXX XXXX ), and PHHs handling of this matter has been extremely harmful. ) Also clearly, PHH was pursuing foreclosure while reviewing my loan modification request, a.k.a. dual tracking. Isnt dual tracking illegal?

I just find PHH Mortgages handling of my case unethical and a horrible business practice. It appears what they are doing is also illegal. Every week or two, there has been a request for a  superfluous document, which I have nevertheless promptly replied to. I am appealing to the CFPB to step in and get PHH to do the right thing.
Consumer complaint received 2018-02-26
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. (PA)

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX & XXXX reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy for over a year and have disputed repeatedly due to the nature of account. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act which also has been violated.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 1 ) Pofortlio Recovery Sincerely yours, XXXX XXXX
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2022-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a savings account with USAA that I can not access. 
I need a certified check because the bank no longer has branches in VA, I changed my cell number, and the authentication requires a security code be sent to the phone number in my profile. 

I have gone through the prescribed process of submitting my drivers license through the USAA.com/verify site 5 times and reached out to the bank for the past XXXX weeks. 

I need to make a payment and have not received help from the bank. I have an ATM card from the bank that does not meet their requirement for verification purposes because the card does not have the security code. I need to gain access to my account. I now have a URGENT need for funds.
Consumer complaint received 2022-09-12
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. (PA)

My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any XXXX XXXX or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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: AMERICAN EXPRESS COMPANY (CA)

American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation identified a {$300.00} credit promotional offer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. Called American Express support multiple times and they confirmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit a called again. I was assured that I had satisfied the terms of the promotional offer on XX/XX/XXXX, but was told the 'back office ' pulled back the {$300.00} credit because they felt I was not a new customer. I have had American Express credit cards in the past, but not within the last 3 years. 

I feel that the promotional offer was not made in good faith. American Express benefited from my business over 7 months, reaping a high percentage from my purchases. I paid all balances on time. I feel that American Express fraudulently pulled a new Credit Report. If they feel that I am not a 'new customer ' why inquire about my credit? 

Lesson learned is that you can not trust American Express promotional offers.