davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2020 I downloaded the Belk.com app on my cell phone to make making payments more convenient. When I entered my information the app told me what I entered was invalid. I knew it was not because I use the same information to log into the website both on my phone and on my laptop. I clicked the 'forgot user name/ password ' option and the app asked me for my name and phone number. When I provided JUST my name and phone numnber, the app immediately logged me in and informed me that I have been approved for a Mastercard. I DID NOT apply for a new credit card. 
I am in the middle of refinancing my home and know not to open any new accounts, only pay off what I have. I tried to contact Belk Reward Credit Services at XXXX and the representative I spoke with informed me that I purposefully applied for the account because I would have had to put in a Social Security Number in order to apply. I told the customer service representative I never applied for the card, I already have a Belk credit card, and I do not want another credit card due to my pending mortgage refinance. I told the representative I wanted to cancel the card to which she informed me my credit would be effected negatively again for closing the account. The representative tried to tell me all of the perks of having this new MasterCard version of the Belk card, but I told her I was not interested so I ended the call with no solution. Since I was in the Belk store at that time I found and spoke to a manager in the department store and was told that the Belk MasterCard is pre-programmed to approve current customers without the customers approval or their knowledge until it has already been processed. The manager also informed me that the new Belk MasterCard is  supposed to automatically replace any existing Belk credit cards unless the customer calls in and specifically requests this action not take place. 

The Belk card I currently have can only be used in a Belk department store or on the Belk.com website where as the new Belk MasterCard can not only be used in any Belk department store and Belk.com, but anywhere MasterCard is accepted. I DO NOT want this credit card, I never requested a new card of any kind. This was a very deceitful action made by both Belk and MasterCard to their customers. Other customers also need to be made aware of this issue so this does not happen to others. 

I would like the Belk MasterCard to be taken off my credit entirely and my score restored to what it was before the inquiry, as if it never happened.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

First Citizens bank ran a promotion back in XX/XX/2020 for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I can confirm that I opened both checking and a savings account with them on XX/XX/2020 and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied crediting it. I believe I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2024-02-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Received a {$250.00} AMEX gift card from my job as a gift. Can not use it. Tried to use on an online website, no go. It says I can use it if the site takes CVV cord, it does, NO GO. Keeps getting rejected. Attempted to add to XXXX XXXX, again, rejected. THIS CARD IS A SCAM. You will see on the print out that they deducted XXXX for each failed transaction. This card is unusable.
Consumer complaint received 2020-08-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2020-08-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I dispute and requesting the Experian credit bureau permanently delete the collection account for XXXX since it was over 7 years old and because information is being reported by collection agency was illegal re-aging. 
I also submitted 3 copies of past due notices from original creditor that shows that first DOFD was in XX/XX/XXXX and up to XX/XX/XXXX, however credit bureau just would sent dispute to collection agency and leave comment that collection agency reported back it is accurate.. Clerk from Experian wants me to provide him my history payment statement from the date account was opened, which is impossible to get. I called collection agency and they wouldn't do it and the original creditor wouldn't give me any due to account is placed for collection.
Consumer complaint received 2023-03-20
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. (GA)

I have forward all needed documentation that was needed in order for Transunion credit bureau to remove any and all inaccuracies from my consumer report, they have failed to remove any of the inaccurate information base on there reply that my official documents was not official documents. Now Im SUFFERING ECONOMICALLY from their decision to not remove the information from my consumer report. I have been trying to purchase a Home for me and my family, and I am being denied because of the inaccuracies on my file. I am Now seeking legal/financial remedy.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (NY)

I am XXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX  doing business as XXXX and XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED is now civilly liable to pay me for the damages.
Consumer complaint received 2021-01-06
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. (CA)

XXXX XXXX XXXX  states that I opened a credit card and billing account with them. 
Apparently the application was sent online on XX/XX/2016 from IP address XXXX. 
The email address they mention is not mine. The phone number they mention is not mine. They sent me a letter asking me to call their fraud dept. at XXXX. I have called them 3 times in the last 2 weeks, I get a phone message, saying that they will call back in 48 hrs. Nobody has done so. When I call their consumer line number, they say That they can not help. 
The amount of money involved is {$620.00}. 
XXXX  XXXX XXXX  has since then transferred the dispute to XXXX XXXX in Nevada. 
Who have reported this to the credit agencies without verifying the authenticity of the account. As a result my credit scores I have no connection to these accounts which are all based on identity theft. 
The credit companies are putting minimal effort to verify the authenticity of the claims.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2021-01-06
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: General Motors Financial Company, Inc. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, AMERICREDIT, XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-12-05
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: CITIBANK, N.A. (NM)

This all started XX/XX/2018. I was scammed by a company that was supposed to create a website for me and a business model for selling products online through what they called a drop shipper. Unfortunately, this service was never rendered even after months and months. I tried to get out of the contract within the stated time but I was coerced to remain. After months of not receiving any help or information to continue the website I decided to gather all my evidence and fight the split transaction of {$5500.00} with my credit card companies. I mailed a copy of the evidence I gathered ( over 50 pages ) of emails and messages and dates and screenshots of the " website '' to both my credit card companies. Thankfully one of my credit card companies did the right thing and fought the transaction with me, obtaining a part of my {$5500.00} initial payment and {$49.00} hosting fee I was being charged for several months on a website that was never live and never ready. I received {$2500.00} from one of my credit card companies. However, after all evidence submitted, my other credit card company ( Citibank-mastercard ) was unwilling to get the money back and continued to deny my request after more than 3 attempts at contacting them. I have struggled financially ever since this incident and have to repay Citibank and other credit cards for the financial losses this incident has caused. I would like to be able to recoup what was stolen from me by the company called XXXX who operate out of Washington State. They have a proven track record of scamming others and have even changed their name of business to continue to scam others. I am reaching out to you know as I can not even access my credit card with Citibank as they have denied me almost {$3000.00} in this case and I just can not pay their minimum. However if they would have just taken the evidence that I supplied them, they would have helped me to be able to pay them back in a timely manner without insane interest rates. I would like to get back on track and this is still weighing heavy with me. XXXX have scammed so many people and it is not fair that companies such as these are getting away with making so much money off of people. I don't know what else to do. I read online that Citibank didn't help other customers. I have no way to contact them as I am currently out of the country and really need some assistance to be done in writing. I hope you are able to help me. I appreciate you taking the time to read this. And I hope to provide greater detail through a resolution with you.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted disputes on the following dates XXXX XX/XX/XXXX to XXXX, XXXX XXXX and Transunion in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2021-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (GA)

Had emergency XXXX XXXX at XXXX XXXX XXXX XXXX in XX/XX/2018. My account was turned over to collections and then a judgment was filed against me. I had a court date but then received notification that court had been cancelled. A few weeks later I received a Satisfaction of Judgment Against Defendant stating that the debt has been satisfied and paid in full but it is still showing negatively on my credit report.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have 2 American Express Business credit cards which was under financial review for 20 days. Amex requested XXXX to get transcripts from IRS and verify income. After waiting over 20 days and providing all requested information, Amex informed me that they have decided to close the account because of the income listed on business credit card application is not accurate based on the transcripts they received. My business is a XXXX XXXX and income net income from the business is transferred from business to my personal via XXXX XXXX. They only looked my personal taxes without even looking the corporation side depreciation deductions and other staff and made their decision based on that. I insist that the numbers they are trying to consider as my income is not accurate and does not reflect my real income. They need to evaluate both business and personal taxes to get an accurate income information. They closed my account without valid reason and forced me to disclose my personal and business taxes.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IA)

Recently XXXX XX/XX/XXXX ) I discovered ( as a result of trying to log into my account XXXX my Chime account had been suspended. When I inquired about the issue I was given a vague " unusual activity '' reason and said they needed to verify my identity. They asked me to provide a pic of my license and a 2nd form of ID ( I opted for passport ). THEN, they responded and asked me to also provide a picture of the back of the license and a clearer pic of the passport, which I did. THEN, they responded and asked me to provide a picture of me holding my passport, which I found highly unorthodox and very suspicious. I find it very strange that each time I provide the information that they request, that they request more. I've even provided a document with my address on it, which is one of the items listed as an acceptable 2nd form of ID. They still asked for a picture of me holding my passport! I called on XX/XX/XXXX and was told the issue was being escalated so I could get some more specific answers to why my account was suspended, but I have not heard back. I've sent a couple emails asking for the status of the escalation, but both times received the response telling me I need to send a picture of me holding my passport. I've asked them several times to provide some detail on why my account was suspended, but they have flat out refused.
Consumer complaint received 2023-06-07
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. (IL)

The personal information listed is incorrect. The employment information is incorrect. The previous addresses listed are incorrect. 

Please remove all previous addresses listed on the credit report as it is a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

On XX/XX/2020 I settled and paid in full amount owed {$370.00}. One day after I paid them they submitted the difference, {$100.00}, for collection agency. This is illegal, dishonest and created unnecessary actions and time to fix their intentional malicious action.