davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (DE)

I am applying to the Discover it XXXX credit card through discovercard.com. After putting in my information there is the boilerplate terms and service stuff, but the actual card member agreement is nearly unreadable. As far as I can tell, they have literally photocopied a physical piece of paper and uploaded it to the website. I do not have poor vision, but the image quality of the agreement is so poor that the text is blurred, and some words are illegible. Attached is a screenshot from the offending document which clearly shows that the card member agreement is difficult to read and the text is blurred. 

Why is the font so small? It's not like they're saving paper ( I'm on a webpage ). Also, why would they not use text in the page ( like every other part of the application ) itself rather than ( what appears to be ) an image? If consumers can not read the agreement they are signing, then they can not be fully informed of the decision they are making. This is unacceptable from a company with the technical resources of Discover.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CT)

I used my COSTCO CITI CARD to give a tree surgeon an $XXXX  deposit to remove a tree from my house.  CITI CARD then allowed him to fraudulently place an additional $XXXX  on my card without my agreement, knowledge orauthorization.  I had no idea nor did I sign or even give verbal authorization regarding any price for this transaction. XX/XX/19.    Tree falls on my house due to tornado.XX/XX/19      I make a claim to my insurance company- they direct me to remove tree. I call XXXX  XXXX  XXXX for quote.  He says he will proceed with $XXXX  deposit, which I authorize.I advise him that insurance adjuster has to decide on balance, he agrees and says he understand how this works. XX/XX/19.   XXXX  removes ONE tree. He some how charges my CITI CARD $XXXX  that SAME DAY.  CITI would later tell me they thought it was ok, since he had my number.I try and explain to them their error- they seem clueless, but always agree with my position of fraud for this unauthorized charge.When CITI CARD statement arrives in XX/XX/XXXX, I   immediately file a disputed charge with them.  They accept my complaint and agree. They even cancel our card because they say the fraud is so serious, the amount so high.  No one at CITI can explain how this large amount was processed without any authorization from the card holder, me.I receive a request for additional information from CITI.  I DO NOT EVEN HAVE a bill to give them.  XXXX  XXXX  has  stopped answering my calls or texts.He has fraudulently taken my money.  If you look him up on XXXX, there is someone complaining he has done the same thing, for $XXXXOn XX/XX/2019 I finally get a text message from XXXX  with an invoice.  This invoice is totally false, with men and equipment listed NEVER at our property.  I have pictures and a adult witness at the scene.XX/XX/2019.  CITI CARD accepts my dispute and freezes my account.XX/XX/2019. I receive a request from CITI CARD for more documentation.XX/XX/2019.  I sent them all above information.  They tell me my complaint is so serious I have been moved to the Presidents Office in South Dakota.  I hear from XXXX  XXXX,CITI CARD, XXXX in early to mid XX/XX/XXXX.  She states she will get back to me no later than XX/XX/2019 with information regarding the CREDIT to my account.That day passes with no contact- I begin to call her every other day from XXXX to the present.  I receive no call backs -ever. On XX/XX/2019 I receive a letter from CITI rejecting my dispute.After all this time and stalling, CITI CARD has decided to help this vendor perpetuate this fraudulent transaction.  I am totally frustrated and respectfully seek you help.XXXX  XXXX
Consumer complaint received 2021-12-29
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial Holding Company, LLC (AZ)

I refinanced my home with Nova in XXXX of 2021. The process was seemingly smooth throughout the transaction. We were told the loan closed and funded and it was a done deal. Within a week, title asked for an additional $ XXXX dollars due to an error with final pay off and taxes. We would get this money back in a refund eventually. Two and a half weeks go by and our old loan carrier still shows our old loan as active, and now late on a payment. This was found through my own research, nothing from Nova. Finally, on the XXXX and XXXX of XXXX, XXXX XXXX addresses the issue and gets everyone scrambling to fix it. By now, the old loan had accrued {$500.00} is interest as it was not paid off by NOVA. I was 1 day away from a 30 day late on my mortgage that NOVA was hired to handle. The same loan that was supposedly funded and closed on XX/XX/XXXX. I then had to pay an additional {$500.00} on the last day of the month so the pay off would go through. By this time I had paid over {$1200.00} that was not listed on any closing cost or final closing docs that I signed. 

I contacted the old loan carrier, XXXX, who provided me with information that the payoff wire that Nova sent was short on funds and immediately rejected. There is email documentation that XXXX sent back to Nova with the urgent matter. This matter and email were never addressed or responded to. I then contacted XXXX XXXX of Nova looking for answers and perhaps some accountability. All I got was everyone blaming everyone else and no one owning up to the mistake. I have tried to resolve this issue with Nova and XXXX since XXXX of 2021 and I am still getting brushed off as of XXXX of 2021.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose.

Please update the following accounts as Paid, Never Late. 
XXXX  # XXXX
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX  for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX and XXXXXXXX XXXX is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report.

- Furnishing information on my report without my signed written consent to furnish my private information
Consumer complaint received 2023-01-15
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)

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help Equifax XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  Equifax XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had a Credit Card with XXXX XXXX that became delinquent when I was XXXX years old. I moved away XX/XX/2008 for college and began professional career, and in between that time I was not able to be financially stable to repay the debt. This account was closed and given to Portfolio Recovery that has claimed that I was aware of this attempt to collect debt, but they never had an updated address to where I could receive an opportunity to dispute. Also the company has harassed me since at my place of work, family members, and continually unethical and unfair reporting that at times seems borderline illegal. I have moved back home recently after 12 years and never received any notification because I had changed addresses with any notification. I would move that this derogatory mark be removed from all credit reporting agencies XXXX, XXXX, and XXXX to rectify the injustice and abuse of consumer information.
Consumer complaint received 2019-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

Western Union ( WU ) allowed for my information to be stolen and used online to transfer a vast amount of funds from my CC to a person located in XXXX, the first attempt was successful, the immediate second attempt was rejected by my bank. 

I disputed the transaction using the Chat system WU provides and was told by " XXXX  XXXX. '' that since the funds were already picked up, that there was probably nothing they could do about the incident. 

I was directed by the same person to place a fraud complain online at WU.com, when I did, I continuously received the message that the " MTCN Number '' was a duplicate thus not allowing for me to make the fraud report/complaint online. 

It is not the first time one of WU 's IT suppliers is hacked which causes much suffering on us victims. I have officially lost all of my faith and trust I had in Western Union.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the sixth time I am filing a complaint for this issue and it has not been resolved. Pursuant to 15 U.S. Code 1681o, this is now negligent noncompliance and Equifax is liable to compensate me in an amount equal to the sum of actual damages done to me. In addition, I have filed a complaint with the Office of the Comptroller of the Currency as a result of the noncompliance of Equifax to remove the inquiry and the negligence and noncompliance of not yet providing me with monetary remedy. Please remove this inquiry off of my credit report and compensate me. Pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640, Equifax is liable to compensate me for the abusive and deceptive practices exercised as well as the damages done to me. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please remove the inquiry and compensate me for the damages done.
Consumer complaint received 2021-12-29
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. (NE)

I called Transunion today about several inquiries on my credit report that I did not give written authorization to furnish pursuant to 15 U.S.C. 1681b. ( 2 ). XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Spoke with several agents and transferred to supervisor ( s ) over several calls. All parties relayed the same company policy which does not supersede Federal Law, that the consumer needs to investigate each inquiry with each financial institution, and mail a letter to Transunion in order to prove that I did not give permissible purpose. I was hung up on 3 times by 3 different supervisors, XXXX, XXXX, & XXXX XXXX while trying to exercise my rights under the FCRA. Regardless of attachment to open or closed accounts, they have no written permission to furnish those inquiries. I recorded all calls as they indicated they did.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-12-29
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)

Experian refuses to update my account with XXXX as I've sent them a settlement letter which they've acknowledged on a recorded line that they've received it. As well I sent a statement showing that amount was paid, Experian then on a recorded line stated they came to the determination that even though I sent in a settlement of debt letter and also a statement showing the payment and creditor that it wasn't enough to have the account updated then proceeded to tell me that I needed more " proof '' to submit a dispute but there isn't anything more " proof '' worthy then a bank statement and settlement letter, they state that they sided with XXXX info that information was correct and no updated was done.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (TN)

I have sent TD Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

IC System Inc ( on behalf of XXXX XXXX ) posted a derogatory collection notice on my credit report in the amount of {$59.00}. No one has tried to contact me about this previously and I have no accounts with either IC System or XXXX XXXX, so this fraudulent claim must be removed immediately.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX and XXXX XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I received a communication from National Credit Adjusters for a debt I incurred with XXXX XXXX XXXX that was dated for XX/XX/2021. This communication indicated settlement options available to me for this debt. I contacted them on XX/XX/2021 and spoke with XXXX XXXX ( XXXX ) and agreed to a settlement amount of {$1100.00} and scheduled payment on XX/XX/2021. I received confirmation # XXXX for the transaction. As we were wrapping up the call he mentioned that he had another debt for me with another company and asked if I would like to set up arrangements for that debt. I indicated that I had not received any communication on that particular debt but I would call back. At that time he provided his extension and work hours. 

about a month later I noticed that the credit reporting associated with XXXX XXXX XXXX had not updated and submitted a dispute with the credit bureaus. I included the info regarding my payment that was made. My dispute came back that the debt collector provided info that the debt had not been paid. Eventually I realized what they did- they took the payment I made that was intended for XXXX XXXX XXXX and applied to the other debt. The other debt has never showed up on my credit nor have they ever sent any communication for that other debt. They have only communicated regarding XXXX XXXX XXXX. 

I am disturbed that they have employed such a tactic by misleading me as to how my payment would be applied. They never disclosed that the payment I agreed to on XX/XX/2021 would be misapplied to another debt. I am including a copy of the communication which includes my notes that I wrote on the day the I agreed to paying XXXX 

just to be clear my dispute is with National Credit Adjusters - mailing and contact info is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; XXXX, KS XXXX Toll free - XXXX ; Fax XXXX NCA Account XXXX - XXXX
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (PA)

I have credit cards for retailers issued through Synchrony Bank. The cards in question had {$0.00} balances and no late payments. Synchrony took it upon themselves to close XXXX of the accounts and lowered the credit limit on the other. This has really hurt my credit through the credit reporting bureaus.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I bank with Bank of America. I have been with them for many years. One thing I have noticed for a long time is that they do not update account info/balances in real time over every weekend. I can look at their app on Friday and have x amount of money and use the card over the weekend and wake up Monday morning with a negative balance and several overdraft fees. Any other bank I have asked other people about update in real time regardless of day of the week. I feel that BoA does thing knowingly in expectation of profiting from overdraft fees. I have been charged 2 {$35.00} overdraft fees this past weekend, both occur on XX/XX/27 in the attached spreadsheet. If you also review the running balance column, you will see that my balance was never in a negative or overdrawn state. Trying to communicate with BoA is another ridiculous thing. They have about 5 % of their branches offering onsite meetings with dates available weeks in the future. If you call their XXXX number, the wait is always more than an hour and you often get disconnected. If I knew who to contact to file a class action suit against them, I would be pursuing that option. In closing, just let me restate, BoA does not update personal account balances and transactions over any weekend. In this day and age of digital living, I do not see how it is possible that BoA is not updating account info in real time.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The listed accounts are incorrectly marked with a late payment status despite the absence of monthly historical data. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.