davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
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: CITIBANK, N.A. (TX)

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. 

I would like to request that this unauthorized hard inquiry in my XXXX report by XXXX and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. 

Copy of FTC complaint filed attached
Consumer complaint received 2022-03-23
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. (KS)

Since XX/XX/XXXX I have been contacting Transunion each month to get this corrected. In the month of XXXX I was told I could not call in and dispute the inquires. I was informed to send the disputes by mail. I check backed in XX/XX/XXXX I was told at first they never received anything. The next time I called I was told I did it incorrectly. The representative connected me to a supervisor and told me I needed an ftc report and or deletion letter. I have contacted these lenders and nothing has been sent especially if they have nothing on file for me. I have tried to file an ftc report but it directs me here. I attempted to call once last time explaining this and no help. 

I Do not recognize or authorize any of these inquiries on my report and need them removed from my Transunion report. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-31
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. (NC)

Experian and XXXX is violating my rights and have been for allowing these collections to be reported to my credit files to these collections I do not know anything about other than how my rights have been violated in the collection efforts of these row accounts. 

And you all are allowing junk data to be reported to my credit files with these bogus collections accounts that have never been validated by me only more violations of the laws when XXXX XXXX XXXX sent me a collections letter XXXX months ago, XXXX years after they have been reporting derogatory furnishings to the credit reporting agencies. 

This is fraud and I am submitting my informaron for the FTC to investigate I have complained multiple times and this bogus collection account is not even suppose to be on my credit file because the idiots at XXXX XXXX XXXX for over XXXX years has posted these collections when they never notified my me by law of any debts they are alleging I owe and over XXXX plus disputes with the credit bureaus and close to XXXX with the CFPB, I still have not ever had any validation of these collections accounts Being reported to the credit bureaus and when they did send me something in the mail XXXX years later, this miserable document does not tell me any legible service that I was provided and I have never done business with this company called XXXX XXXX XXXX and I am filing fraud charges today with the FTC for identity theft collections being on my credit file. And XXXX going to sue everyone of you for violating my rights once the Department of Justice finishes their investigation of the unlawful actions by XXXX XXXX XXXX and the credit bureaus for violating the laws and my rights. Not once has anyone provided me legible information regarding these collections after XXXX years of unlawfully posting derogatory information that I have never agreed that owe or know anything about but you all have made me fight with overwhelming evidence that you all have broken the laws and still have not removed these accounts and I am filing fraud charges with the FTC today.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I opened an estate account with Chase Bank in XXXX, XXXX. On XX/XX/21, I was informed that the account was restricted due to an account name issue. I went to the XXXX, XXXX location and resigned all the paperwork, understanding the account was corrected. I was notified 4-5 days later that it was not corrected, that they needed a copy of my marriage license ( from 16 yrs ago ) to prove that my legal last name that is on my identification is really my name. I called 3x to ensure that all was ok, and proceeded with writing checks to handle estate expenses. I spoke with someone in Chase 's back-office who said that the checks would clear, yet they bounced. Then, I was told by my contact at the XXXX branch in XXXX that I needed to go back to a Chase Branch location ( now in XXXX, XXXX since I was no longer in XXXX  and had returned home ), and re-sign all the bank paperwork again. I was informed at the branch by my contact on XXXX XXXX in XXXX that my account was locked and I should " wait a few days '' because I couldn't re-sign any paperwork. After multiple calls to the " back office '' and between the XXXX contact and the XXXX  contact, I was told to come back to the Chase Bank branch in XXXX, XXXX  to re-sign the paperwork again, and that I needed to wait to hear if the account was fixed. The next day, I received a call saying they couldn't reconcile my last name with the paperwork that is part of the estate and prove that I am the same person ( although I have all the identification to prove I am ) and that they would be canceling my account. At that point, I informed my representative that it was physically impossible to resurrect my dead XXXX to verify my name, even though I have all the legal documentation to do so. It has been nearly a week now and no one can tell me where my roughly $ XXXX is from this account, and when I log into the Chase Bank portal, my account and my money are gone. I am consistently reaching out to the bank, and conveniently get hung up on when my calls are routed to the Chase " back office. '' I put that terminology in quotes because I've heard it multiple times from my in-person advisors at the branch locations of Chase Bank. In the end, this also changed my mind about moving ~ $ XXXX $ XXXX in long-term investments to Chase Bank XXXX
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX  servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my XXXX XXXX XXXX.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

XXXX  ( childrens ' clothing store ) had an online promotion advertising 25 % off your order if you applied for a credit card. On XXXX I completed the application, including my social security number, and was told that I would receive an email within 7-10 days. I did not hear from them. On XXXX I was told by my employer that she received and application for Ohio unemployment benefits. I did not file for unemployment and I then completed forms notifying Ohio Dept of Jobs that my identity was stolen. Thinking back, I thought by me entering my social security number online during the application process, this may have opened me up to identity theft. I contacted XXXX and was told that their credit application process is handled by XXXXXXXX XXXX. On XX/XX/21 I called XXXXXXXX XXXX and was told that they did not have my application and that this frequently happens during online credit card applications for XXXX. Why would a company as large as XXXX use a service that is not secure? That is my complaint-an insecure online credit card application process that resulted in my identity theft.
Consumer complaint received 2020-03-12
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. (FL)

I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The 3 credit bureaus aren't investigating disputes. I file a dispute about 7 missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/21, I contacted Amerisave regarding getting a pre-approval letter for a home loan. I spoke with XXXX XXXX, a loan officer, who began to walk me through the online application. I remember signing some forms online ( which I couldn't tell you what they were ). Mr. XXXX talked about locking in a loan, although I didn't have a property picked out. Then came the {$500.00} application fee which I payed without really any thought, thinking this was the normal procedure, Later I learned this was not a best practice. Also, when Iasked Mr. XXXX about copies of those forms I signed, he said they were accessible on the website. I have not been able to locate them.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a collection account with XXXX XXXX XXXX for XXXX originated from XXXX XXXX. I payed this account in full, actually XXXX on XX/XX/XXXX. I have contacted this company spoke with the manager several times XXXX XXXX requesting this information be corrected on my credit report reflecting o balance. In contacting XXXX she was very hard to deal with ( rude ) indicated she has contacting transUnion and taking care of the matter. I informed her my credit report had not been updated and transUnion indicated they had not received that info and the outstanding debt still on my credit report. Basically XXXX told me I was not a priority and she has done what she needed to do and transUnion needed to take care of it. So I reached out to the owner of 'XXXX XXXX ' XXXX and had a conversation with him requesting his assistance with XXXX . Shortly thereafter XXXX finally sent me a letter that I had requested prior showing the payment I made. Also XXXX asked me to give it sometime and it would be removed from my credit report ( this was in XX/XX/XXXX ). Since then I have contacted TransUnion for the 3rd/4th time disputing this info and also sent them a copy of the letter showing the account was payed. However, TransUnion Supervisor XXXX XXXX indicated not able to read/understanding the letter clearly he received from XXXX. Also TransUnion indicated XXXX verified the account accurate as recent as XX/XX/XXXX ( still outstanding ). As you see, I have been dealing with this outstanding issue since XX/XX/XXXX. It should not take this long to update a credit report. XXXX from XXXX has been very unprofessional through this entire process, verbally rude, and negligent in reporting accurate/correct info. Don't know were I stand legally in taking action for XXXX negligence and which I truly believe XXXX is doing this purposely or just inadequate and don't care about the consumer.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (MO)

Excessive, recurring returned item fees were charged on numerous transactions never authorized and disputed via PNCs ACH process. My personal checking account ending in XXXX is currently in a negative standing and overdrawn by {$400.00}. The account is facing charge off due to the banks negligence and failure to do their lack of due dilligence. As a result, insufficient fund fees were charged ( {$36.00} per transaction ) on the following dates for my checking account ending in XXXX : XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$96.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for insurance transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$100.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for USPS Online transaction XX/XX/21 USPS Online PO Box {$34.00} ( unauthorized debit, never initialized ; typically paid in person to a clerk ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, subscription never authorized, contested and disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$60.00} ( unauthorized debit, disputed via PNC ACH process, contacted XXXX ) I personally requested stop payments for XXXX XXXX and XXXX ; however, wrongful payments were authorized without my consent. Furthermore, I filed multiple ACH dispute claims with PNC and have not received any sort of response from the bank or opportunity to provide supporting documentation after the claims were filed. The account ( XXXX ) was written off as charge off without an investigation being conducted. The bank didnt do any sort of do diligence to ensure that I wasnt at fault or gave me the opportunity to provide documentation to support my claim.
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (PA)

Vehicle purchased XX/XX/XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Mileage recorded at XXXX per purchase agreement and XXXX. Suddenly, on XX/XX/XXXX XXXX XXXX in XXXX reported the vehicle serviced at XXXX miles. This was not done by me, the recorded owner. As reported in my next inspection in XXXX of XXXX, the mileage was XXXX. The discrepancy between the time of my purchase and the time of my last inspection as recorded by XXXX is negatively impacting my ability to trade in my vehicle at the true mileage. It appears based on the XXXX  that I have tampered with the mileage when in fact this is not true. I have copies of the XXXX at the time of acquisition if needed.
Consumer complaint received 2022-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX XXXX {$8.00} I bough fever thermometer for my mother 's fever flu after 2 minute reading it is supposed to buzz indicating final reading It does not I returned to store and cashier tested it and inssited he hears buzz but my mom and I did not hear anything I asked for a substitute but merchant would not exchange