davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022 I received an email. 
Dear ******, Based on a recent review of your account, Synchrony Bank has lowered your credit line to {$530.00}. Your account remains open and available for use, subject to the new credit line. 
My account balance was over {$1000.00}. Now that this company has reduced my limit to {$29.00} over my limit they have me using 99 % of my total limit. This will bring my credit score down. This company has done this to me several times in the past. I have not missed any payments on any of my credit cards. This is a practice that hurts peoples credit and the company has been doing this for years to people.
Consumer complaint received 2021-11-19
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. (AL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My former bank, which was Bank of America, chose to close my bank account without my permission when a fraud took place withy bank account. I applied for a loan and the so called on line loan company called themselves XXXX XXXX, went into my bank account without my permission and turn my paid bills back into credits, pretending that they were me. Bank of America did not call me when this happened. I thought that the so called loan company put money into my bank but they turned bills that I had already paid, credited back to my account. Underminedly, then ask me to send them what I didn't need. They said that they put {$2000.00} in my bank account but was falsely done, and I only requested {$500.00} from the loan company, thinking that they were legit. Meanwhile, Bank of America closed my account without discussing what happened to me, the fraud and treated me disrepectful when I tried to find out why they were closing my bank account. And then when I finally found out that I was scammed, Bank of America offered no help for me nor did anything in my behalf to recover my funds. Because the scammers told me to buy {$1500.00} worth of XXXX  cards and send the the numbers off the back of the card. I thought it was quite unsual but people are always doing something new so I thought that it was legit. Come to find out that I was sending them my own money and it wasn't a loan. XXXX XXXX didn't ever put any funds in my bank account. Because I spent the money, Bank of America kept my widower 's pension and one my work paycheck 's to recover what was lost or stolen from my account. Those checks were directly deposited to my bank and because of that, I could not pay my rent, car note, electric bill nor any of my other bills for this month. I'm further behind in debt before I tried to get this loan from XXXX XXXX, Mr. XXXX XXXX, he said his name was, their phone number that they used was ( XXXX ) XXXX. I have learned a valuable lesson not to apply for a loan online anymore.
Consumer complaint received 2018-09-25
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: LEXISNEXIS (GA)

I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.
Consumer complaint received 2022-12-17
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. (NC)

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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1

681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018,  Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}. 

In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses. 

In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.

As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.

I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.

In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5  outstanding checks/debits that still may clear before I get paid again.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ricart Financial Services (OH)

An old debt from 2011 I have no clue what it is about they are gon na garnish my wages at 25 % I get paid every week. I cant afford that I will be homeless then jobless
Consumer complaint received 2023-10-06
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. (TX)

I received a copy of my credit report and I have found unauthorized inquiries listed that are not related to any transaction by me. I am a victim of identity theft. Below are the banks where the inquiries were placed along with the date : 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 2022-05-23
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. (OH)

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 a account without my written instructions.
Consumer complaint received 2021-11-19
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. (DC)

I requested for Equifax to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : 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
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (KY)

I've been using american express serve for several years. Earlier this year me and my significant other both became unemployed due to coronavirus pandemic. Her claim was under investigation for some time and finally in XXXX she was awarded back payment for the prior months she wasn't paid. Since she has no bank account at the time we decided to just use my amex serve account to have the funds direct deposit into my account. We were both unaware that was a violation of terms. American express allowed the direct deposit. I even withdrew {$2500.00} the following day. The next day when I tried to log into my account with no success I call them and they inform me that my account has been suspended permanently for violation of terms and I have no access to the remaining funds in my account which were roughly a little over {$1500.00}. They said they will not release any remaining funds until I provide them with a letter of indemnity from the issuing bank. Well for anyone who doesn't know it is pretty much impossible to speak with anyone at the unemployment office in Kentucky right now because of the surge in claims due to the Coronavirus. My girlfriend and I both have tried to contact the unemployment office to explain to them the situation and have had no success. We just want our money back. We have already been served with an eviction because we haven't been able to afford rent.
Consumer complaint received 2018-09-25
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. (PA)

Unauthorized Credit Inquiry I obtain a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by TransUnion Credit Bureau however, this inquiry was not authorized by me.I will list the inquiry that I did not authorized. 
XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-. XX/XX/XXXX Please have these inquiry removed from credit report, as it is having a negative effect on my loan application and acquisition of credit. 

Thank you for your prompt assistance.
Consumer complaint received 2021-11-19
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: Atlanticus Services Corporation (TN)

An unauthorized charge of {$160.00} was made on my XXXXFortiva XXXX on XX/XX/21. The payment went to an entity called XXXX. I have never heard of or used this company. I immediately contacted XXXX and they canceled the card and issued a new one. Two other fraudulent charges, another to this same entity and one to another entity were pending when I notified XXXX and those never posted to my account. I have submitted a fraud statement but the charge, plus interest is on the account and the account is being reported as delinquent.
Consumer complaint received 2018-09-25
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. (GA)

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX Equifax and XXXX investigation.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I woke up one morning to my account balance being low. I signed in, only to find out my account was wiped out by XXXX BY XXXX XXXX 4 times. The amounts were between $ XXXX {$100.00} dollars. I contacted my bank immediately and they let me know that there has been charges as far back as XXXX. Total of {$600.00} cents. The rep cancelled out my card and issued a new one and told my I would get provisional credit within 24 hours but its usually within a couple of mins. I never received anything, so I contacted the bank again. Only to get told I am lying and no rep would say that to me. I had my call escalated and answered by a manager named XXXX who continued to call me a liar. He said its impossible. He said he doesnt have the ability to pull the calls. He then raised his voice at me and basically told me he cant do anything. They have until XXXX to issue a provisional credit. He then hung up on me. I contacted XXXX and XXXX who pointed the finger at each other. Finally the highest supervisor available at XXXX, told me to call my bank. They closed down the account immediately and apologized for the fraud and said they are really sorry they cant do refunds BUT she said the way it works is that my bank disputes the charge and issues the provisional credit. I just moved into a new home with my wife and newborn daughter and we had to tell our new landlord that the other half of our deposit has to be post poned because of the fraudulent charges. Ive had many banks before and never ever experienced this issue. I am beyond stressed at this point and will be closing my account after the dispute is finalized. I even offered Bank of America to do a 3 way call with XXXX so they can relay the charges were fraudulence and I do not have an account with them. They said they cant do that.
Consumer complaint received 2018-04-23
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. (MI)

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report. 

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}
Consumer complaint received 2022-05-23
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. (TX)

I currently have an investigation with CFPB in regard to a public record reporting on my Transunion credit file. I have sent in numerous responses from XXXX stating there is NO bankruptcy associated with my name in their databases. I sent in a letter I obtained from the courts as to who they say furnished this incorrect reporting bankruptcy, so they send their response from another reporting furnisher. The problem I am having is I am providing all the information they need to remove this horrific incorrect public reporting item but each time they come with another issue. I am attaching the latest correspondence from Transunion, where they provide that the courts who " supposedly '' verified this bankruptcy, but yet in the same I am attaching a letter from this court stating they would not or do not interact with the credit bureaus. So, what is it, are they making up furnishers to keep inaccurate, false, horrific information on my file? My next step if this is not resolved is to seek legal advice because this does not appear right.