davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX we purchased several items from XXXX. XXXX. The total was {$5400.00}. The agreement made at the time of the purchase was that a portion of the purchase, {$2200.00}, was payable without interest over a period of 24 months. This calculates to {$93.00} per month. The remainder of the purchase, {$3100.00}, was payable without interest for a period of 36 months. This would calculate to $ {$88.00} per month. I have the receipt that states this information. 
From the above information, it would seem that I owed {$180.00} for the first 24 months and {$88.00} for the remaining 12 months. 
I began to receive bills from Synchrony Bank located in XXXX, FL, for the total amount of the purchase, {$5400.00}. These invoices began in XXXX of XXXX. 
For the first XXXX months I paid only $ XXXX month. I also attached a letter explaining that I was not responsible for the entire amount immediately. I feel the amount I paid, {$150.00}, was in error. I should have paid {$180.00}. 
Starting in XXXX I began to pay {$180.00} each month. 
In the statements from the bank there were financial penalties added to the account. 
Starting in XXXX of XXXX, 24 months after my original purchase, I reduced my monthly payment to {$88.00}. 
Through the XX/XX/XXXX payment I have paid {$4300.00}. This should result in a remaining balance of {$1000.00}. However, in my latest statement from the bank the remaining balance is {$2100.00} In XXXX of XXXX I met with XXXX. XXXX XXXX XXXX XXXX regarding this matter. He agreed that the terms of payment were as I outlined in point XXXX above, but was otherwise not helpful. 
In XXXX, XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, and explained this to him. He said that he would call XXXX. XXXX and ask their bank to acknowledge the original agreement. 
* At the time of the last statement from Synchrony Bank, I had paid {$4500.00}, with a remaining balance of {$890.00}. 
* Per the statement from the bank, the balance is {$2000.00} and I have a " XXXX XXXX '' amount of {$130.00}. 
Please understand that there have been numerous letters accompanying my monthly bank payments, but seemingly with no concrete results. 
I have also spoken with a representative from the bank, and that person dismissed my concerns without any explanation. 
Also understand that I keep very thorough notes and files and could supply anyone asking with a written history of this matter.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (PA)

On XX/XX/29 a fraudulent charge in the amount of {$1700.00} occurred on my card. Company failed to provide me with any security as this purchase should had been red flagged and never allowed to go through. I have had this card for about 5 years and have never made a purchase of over {$200.00}. Company failed to provide any security. I called Eppicard on XXXX to report the fraud. I was told a new card would be mailed as well as forms that had to be mailed back within 10 days. Upon investigation there seems to be a fraud with the company never mailing out new debit cards or the form to pursue fraud cases. Why cant the form be emailed? Why are people not receiving new debit with their remaining balance? Eppicard is stealing child support money from American families. This is my rent money that got stolen due to lack of security on your end. Rent money stolen during a pandemic. This needs to be handled ASAP.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MO)

I called Wells Fargo customer service on Friday XX/XX/2023 at XXXX central time. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 1666B. As a long-time customer that has had an exceptional payment history with Wells Fargo . I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with Wells Fargo customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Wells Fargo is tarnishing my name and credit profile by reporting late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2021-01-09
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. (MI)

Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking account at Bank of America for about XXXX weeks. I couldn't log in to my online banking. So I called the Bank of America verification department to ask what the problem was, but no one from the customer service staff to the director or manager told me that my account was out of date. What's the problem? They made me feel like they were playing a trick on me when they were on the phone. I got a bounced check and wanted to know what it was because I never deposited the check. Bank of America didn't care. They only answered my question that my account had been closed, so I had never deposited a check. They didn't even ask or check who deposited the check, so they closed my account. This made me feel very helpless. I had been doing this every day before. I called them all to find out what was going on with my account, as they had never paid any attention to 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)

THEY ARE CONTINIUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2021-01-09
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. (MI)

Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my account was charged 9 separate charges of {$100.00} each paid to XXXX/bill. These charges were debited one right after the other until my account was emptied. I immediately called bank of America, they cancelled my card and issued me a new one. Then they told me I had to file a dispute with the fraud department, so they transferred my call. Too bad the representative wasn't aware of the fraud Dept hours and neither was I. I sat on hold for two hours! I finally figured out they were closed. The next morning I called back and every day for the next thirty days, only to be left on hold for at least an hour and then get hung up on ... .never speaking to anyone. So, after two weeks of this I decided to call XXXX. They put me through to the security team where I explained that I've never owned an XXXX  product. They looked up the transactions using my debit card number, thanked me for " the heads up '', then told me to have the bank request a charge back. I spent another month calling and waiting on hold before I was able to speak to a representative. The representative told me they would request the charge back, but that it could take 45 days. What?! I called XXXX again, they attempted to refund the charges but because it's a prepaid card they aren't able to. Well after 2 more weeks I received a letter from Bank of America that stated my claim was closed because they suspect this was fraud on my part! Based on what??? XXXX said they would refund my money but my bank has to initiate the request, so where does Bank of America get off refusing to initiate the charge back? Not to mention this is NOT my fraud
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITY NATIONAL BANK (CA)

City National Bank has been provided sets of notarized documents XXXX times that I am owed funds from an account that was closed. A Cashier 's check was issued by City National Bank in the amount of {$2600.00}. A STOP PAYMENT WAS PLACED ON THE CHECK AND FEES WERE ASSESSED AT XXXX XXXX XXXX I request that a proper Cahier 's Check be issued to me and that all fees related to the Stop Payment placed on the previous check be paid by City National Bank.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I keep getting multiple emails that purport to be from PayPal but are clearly from a scammer by looking at the email address from which the emails are sent. Here is what they say :,... 

,. 



The " Log in to PayPal '' clearly is a link, which I have not clicked on. The problem is that the email includes the PayPal logo and is in the PayPal official colors, etc. Therefore, if someone were only looking at the body of the email, it would be very easy for him or her to get victimized by this scam because it looks official. For what it's worth, here is the information in the " from '' line of the email : XXXX XXXX
Consumer complaint received 2021-01-09
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. (MI)

Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.
Consumer complaint received 2021-01-09
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)

I AM REQUESTING THAT THESE ACCOUNTS BE BLOCKED FROM MY CREDIT REPORT BECAUSE THEY DO NOT BELONG TO ME. I HAVE REPORTED THESE ACCOUNTS TO THE FEDERAL TRADE COMMISSION, WHICH IN FACT IS A FEDERAL LAW ENFORCEMENT AGENCY JUST LIKE MY LOCAL POLICE. IM ALSO INCLUDING MY CURRENT UTILITY BILL, SOCIAL SECURTIY CARD AND MY CALIFORNIA DRIVERS LICENSE TO VERIFY MY IDENTITY
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion ignored the first correspondence that I sent which was the Power of Attorney and Affidavit of Truth, this suffices as confirmation of IDENTITY and MAILING ADDRESS. I am sending these attachments again. They did not remove inaccurate addresses on my consumer report, they did not send me a mailed copy of my consumer report with the updated changes, as I directed them to do so.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Syncapay, Inc (CA)

This company is supposed to give me access to my funds from a different company through a prepaid gift card but this company is not allowing me to access my funds. The gift card is supposed to be through " XXXX '' which they own and operate. 
They are citing that the gift card " expired '' but I have never been able to access any of my funds even before the supposed " expiration '' that they are claiming my gift card has. Furthermore, according to the FDIC it is illegal for gift cards to have expirations before 5 years, which I am not even close to reaching. This company has essentially stolen my funds without giving me the opportunity to ever access them. I have tried reaching out to them but they just give automated responses leading me back to their website which has no information or way to contact an employee.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (HI)

I recently applied for an apartment. When I applied they notified me that I had a collection notice on my account and could not get the apartment. I contacted the collection agency as I did not know what the collection was for. I found out that they sent me to collections for nonpayment on another lease. It was a lease signed by my ex-husband and his girlfriend. They forged my signatures. I never signed this lease. I was completely unaware. Then my ex-husband died in XXXX. The collection agency is Hunter Warfield. the account number I have is Hunter Warfield # XXXX. 
I have been asking them for over a month and 12 phone calls to please send me a copy of this fraudulent lease so that I can file a police report. They have continued to tell me that they sent it. I never received anything. I have asked them to send it by certified mail. they said they can't. on XXXX I requested they email it to me, they agreed but I never received it. they do have my correct email address on file because I did get an email from them except it was not the fraudulent lease I requested. It's been more than 30 days since I requested the fraudulent lease and Hunter Warfield has continued to give me many excuses for why I haven't received it yet. i can't clear my credit report and this collection without this information
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I actually dont want an explanation. I am getting XXXX with credit card companies as Im a hard working individual who payed all payments through a pandemic and these companies are screwing me and its messing up my credit I have built my whole life to the point I dont want to pay my credit card bills anymore. I make sure my balances owed are a certain percentage below the limit to maintain a good credit score. This credit card lowered my available balance which dropped my credit score XXXX points. 
I want it back to where it was how can someone mess with my credit like that. Im done being taken advantage of and seriously not paying the companies that are XXXX me when I have never XXXX them.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-30
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. (KY)

Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-13
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. (KY)

This financial institution has violated 15 U.S Code 1681s-2 - responsibilities of furnishers of information to consumer reporting agencies.

( A ) reporting information with actual knowledge of errors.

( B ) reporting information after notice and confirmation of errors.

furthermore, pursuant 15 USC 6802 ( b ) this financial intitution withheld and denied me by with holding my discloures and allowing me to OPT-OUT of haveing my information being shared.
Consumer complaint received 2022-07-30
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: ENCORE CAPITAL GROUP INC. (KY)

have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted. 
the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

My identity was stolen back in XXXX. Navy Federal Credit Union ( Acc # XXXX ) was open back in XXXX for {$8400.00} which was fraudulent. I spoke to XXXX on XX/XX/XXXX at about XXXX XXXX. I requested the application from Navy Federal CU with my signature and they stated that they don't have one on file to provide. Also, I was never any part of any branch of the military. I've been disputing this account for several years. This has been affecting my personal and family life. I am demanding for this account to be removed now from all bureaus. I've also provided all information requested by Navy Federal CU to help with is matter.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX  XXXX XXXX XXXX Owed : {$2500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$920.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.