davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
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 (CA)

I opened an account with XXXX XXXX XXXX XXXX Synchrony Bank in XX/XX/2019. They were offering special finance rates or promotional purchases. They gave me a credit line of {$1000.00}. I used this to purchase a few different items. All the items were eligible for the special offer.

I faithfully made ALL payments on time. When the first balance was due ( 6 months ) or
pay for the accumulated interest, I paid off the balance for these items. Shortly there after the lowered my available credit to what current balance was at that time. In doing so that caused my credit score to drop almost 30 points! I had no other changes. No job loss, no other credit issued and no late or missed payments. I reached out to them to inquire as to the reason. Their response was " We occasionally monitor our clients credit to determine credit worthiness. '' It was not true, as my score had not changed prior to them lowering my credit line. I check my credit report weekly and know for sure that there were no changes. In fact my score had gone up since opening the account 6 months earlier. 

I understand that this is their option. However I am most upset since they " DID IT AGAIN '' 3 months later. They ALSO did the exact same thing to my Wife 's account.

We have both contacted them without any success or change in account status. Their actions have caused us both harm. It caused us not to get an auto loan approved and the inability to apply for a new job. I feel this is an unfair and predatory action.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I tried to withdraw my money and cancel my account XX/XX/XXXX, from citizens bank in XXXX XXXX XXXX XXXX XXXX, Massachusetts, I was told that Account is inactive, and that they will send a request to activate it, and it will take till the end of the day, I came in on the XXXX and I tried again and they said its still inactive, I I kept trying my ATM card and trying to go to the bank but the account was still inactive and I was not able to access my funds. Then I was told that I need to call citizens bank and I was given a number. on XX/XX/XXXX I called the CitizensBank number they verified all my information and they said that the account will be active soon and I will be able to access my funds. I kept trying for two weeks with the ATM machines and the branch in XXXX and I still dont have access to my funds. 
On XX/XX/XXXX I calling citizen bank, and I demanded that I talk to a supervisor, the supervisor told me that she can only send an email requesting to activate the account, and that she will get back to me as soon as she gets a response. 
Its been 22 days now. My account is still an active and I still dont have access to my funds.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LEXISNEXIS (CA)

When I received my XXXX XXXX report in the mail, it was clear to see the envelop had been opened! Therefore, someone was able to access and steal my detailed credit report information. The credit report is not actually in the envelop. Inside the envelop is a letter that specifies 1 ) The URL to access, 2 ) Special access code to enter, which is valid for 30 days. Bottom line is that the US Postal service is not a secure method for delivering this information, and now my detailed credit information has been stolen.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I financed a pool through Wells Fargo. I was told it's a credit card and I would get the card and statement in the mail. I never received a card or statement. I called Wells Fargo over 20 times in a course of a year. I was told that a statement and a new card is coming, it's on online banking so statements are on there, they couldn't verify my information, they also mailed me late notices but couldn't give me a statement or account number, the escalated complaint team assigned me a case worker that promised to fix everything. Yet nothing was ever done. The final call where I spoke to someone was that he is going to personally mail me a copy of the statement that he printed out. Then reach out to the credit department for them to remove the late payment marks on my credit because of Wells Fargo mistakes. Again that never happened. I called the agent assigned to Me probably 10 more times after that and never got a returned call. Wells Fargo put me into collections now and hurt my credit even more. I never got the card or a statement the entire time the account was opened. They promised to correct the issues but never did. I think It's very unfair that they don't give a statement or even verify an account number so I can make a payment. Then when I don't make a payment penalize me because of it. I can't make a payment without an account number. Then they hit my credit for their mistake. They even admitted it's part of the contract that I receive monthly statements but i never did. 
Is there anything I can do with this situation.
Consumer complaint received 2023-05-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$500.00}.
Consumer complaint received 2023-03-17
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-08
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

According to the Consumer Report received on XXXX XXXX, 2024, there are inaccuracies on the consumer report. ChexSystems is continuing to report non-mailable address information. I have previously attempted to correct this information with ChexSystems , Inc. directly per their website in XXXX, XXXX, and again in XXXX of 2024, however, ChexSystems , Inc. continues reporting false and inaccurate information on my consumer report. 

Immediate deletion of the inaccurate non-mailable address is made.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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.

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 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 2021-01-09
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. (NY)

XXXX - TransUnion- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax - XXXX- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

This collection company used illegal tactics to call 3 times a day everyday for the last month to collect the bill for which it was 20 years old and it was in dispute back then.

They altered the past due date and reported to the credit bureau to damage my credit score and told me to pay them. Such a low class business practice. Stop them!
Consumer complaint received 2021-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

there was a {$240.00} charge to some XXXX XXXX  that i did not charge on my card. i called capital one credit card XX/XX/XXXX told them im filing a fraud charge for this {$240.00}. so they filed it and finally tdoay XX/XX/XXXX i see online they are chargng me {$25.00} late fee for this purchase. i said what is going on i filed a fraud charge o this in XX/XX/XXXX and you still are charging my carge for it and it says its credited but then you put it back on the card and charge me a {$25.00} late fee. they said they sent me a letter by mail which they did not to tell me they are not crediting me and i ask them why and they wont tell me why. so i told them if you wont fix this im reporting this to the fbcp banking commission, atty gen, XXXX. that you cant charge me for something i didnt charge on my card there is a law for this. the person i spoke to on the phone today was XXXX in the fraud dept, im not happy and i want this fraud charge to be credited and not charged to me and take off the {$25.00} late fee. as im not paying something i didnt charge. they wont do nothing about it.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2021-01-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I closed on my house XXXX XX/XX/2020. I have not received my escrow check in the amount of XXXX dollars. I was told that two checks was mailed out to me, however I have not received any of the checks but I have received correspondence from freedom mortgage. I have received mail at my address from this company several times yet every time a check is mailed it never gets to me. I have spoken with nine different employees to include three managers supervisors at this company.It has been 75 days and I have not received my escrow refund from selling my house.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have already filed a complaint for this : XXXX, but nothing was done. 
This would be my second attempt since nothing was solved with my first attempt - i just got a computer generated response that did not address my needs. 
No matter how many times I fax or mail Experian the documents needed to unfreeze my credit report they still do not do it. I have not been able to refinance or open a credit card for this reason since XXXX of 2020. I assure you I follow their instructions and send in all the required paperwork and still my credit is frozen. Given that I have been trying for several months now, I want Experian to call me and help me fix this.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 XXXX 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

No payoff amount is incorrect and off about {$6000.00}. My payment started XX/XX/XXXX and they have them recorded starting XX/XX/XXXX. I have my contract and payment book. I did defer my payments for too months due to a head injury. I owe eight more months. I made a years worth of payments in XXXX I am not getting credit for. I would like this resolved so I do not have to hire a lawyer. Also I would like all late payments deleted due to inadequacy.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

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. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I made a regular transaction on XX/XX/XXXX at XXXX to send money to my family. I just checked my account activity last night and see that I was charged a cash advance fee ( and I am assuming interest when the statement gets generated ). I reached out to XXXX  since I didn't see any notification or message that I may get charged cash advance fee. They shared this link with me - https : XXXX and asked me to reach out to my credit card company. It looks like XXXX somehow coded my transaction to benefit themselves and posted it as cash advance. The customer support was not at all helpful and denied reversing the fee/interest. I just got this card and was not expecting this kind of experience where the company is outright cheating and deceiving customers. I would like them to reverse any fees/interest for this transaction. I have already paid the balance due on my account.