davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: BARCLAYS BANK DELAWARE (SC)

This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX. 

1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX. 

2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me.

3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX. 

4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it.

5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me.

6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint.

7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$3000.00} or my account was charged off {$3000.00} ], This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ), ( XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXX XXXXXX/XX/XXXX ), ( XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Hello. Synchrony Bank closed my cards, sent me a letter stating they closed all my accounts due to them, under the prediction I would, not be able to pay my bill. But, mind you, I have never been late on any of my accounts, always paid more than minimum. They have a list of all my accounts, I had numerous. I would like for them to commence, to opening up my credit cards with the limits I had prior to them closing my accounts without merit.. Thanks alot
Consumer complaint received 2021-07-30
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. (NY)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit
Reporting Act section 611.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CO)

On multiple dates ( over 5 ) my paycheck was held for 7 or more days, after contacting the Bank I was told they would look into it, and that no fees would result from this. But nothing has be resolved and I have now received over {$500.00} in fees because of autopay bills. Now I can't get ahold of the corporate office and people at my local branch just tell me they will look into it but never call me back.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam : It is incredible how outdated your website is! 

You should have a system in place like the XXXX and XXXX, XXXX and XXXX. 

XXXX notifies the other companies within XXXX minutes of any update. 

Thank you. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NV)

On XXXX, XX/XX/XXXX I called in to inquire about an interest rate reduction.  I was declined.  Discover offered a 12 month interest free purchase promotion which I did not accept.  I called back on XXXX,XX/XX/XXXX to accept the 12 month interest free purchase offer.  I was told it was not available but, my interest rate could be reduced.  I did not not accept.  I called back in XXXX XX/XX/XXXX to complain and was told nothing could be done but, a reduction in my rate was available.  I did not accept and informed Discover I wanted to make a complaint.  They offered to accept a complaint to be presented to a higher authority @ Discover.  I declined.  I asked the rep for the name of an Agency outside Discover I could make a aomplaint to and was told by rep that she had no idea.  I then when online & found CFPB.  So, my complaint is that Discover told me my interest rate could not be lowered.  Then offered me a promotion which they declined to honor & now again are telling me they can lower my interest rate.  At no time did Discover inform me that the Promotion was a one time momentary offer.  They declined to give it to me after I showed interest in it.  This in my opinion is misleading, unfair and disingenuos.  I feel Discover should be bound to honor the offer.
Consumer complaint received 2019-12-16
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: BARCLAYS BANK DELAWARE (ND)

On XX/XX/2019, I faxed a detailed letter ( attached ) to my BarclayCard mastercard 's billing dispute department to file a claim about a {$3000.00} charge that was made to my account as a deposit for services that the merchant never ended up providing. I received a letter from BarclayCard confirming that they received my dispute, would investigate the problem, and resolve it within 45 days. The case number they assigned to my dispute is case # XXXX. On XX/XX/XXXX, I received a voicemail message from BarclayCard asking me to call them regarding my dispute. I called them on XX/XX/XXXX and was told that they couldn't process my dispute because they needed more information. They couldn't tell me on the phone what they needed ; instead I was told they would mail me a letter. I asked them to email me the information, but they refused. I asked to speak with someone else, and the operator refused to transfer me to anybody else. I finally received a letter from BarclayCard last week ( attached ), but it is simply a duplicate of the initial letter that I received from them acknowledging that I filed a dispute and they would investigate and resolve it within 45 days. I called Barclaycard again today, XX/XX/XXXX, to inquire about the status of my dispute. I reminded them that the 45 days had elapsed, I still haven't heard anything from them, and my account has not been credited. I was told by the operator that they closed my dispute because I failed to provide the information that they requested. I told them that they NEVER sent me anything requesting any additional information. The operator insisted that they did and I failed to respond. I asked to speak with the person who was actually investigating my claim and was refused. I asked for them to have the personal actually handling my claim to call me and I still have not received a phone call. 

The merchant in this case TOLD us to file a dispute with the credit card company. All they have to do is contact the merchant and HE WILL VERIFY that he did not perform the work. The charge was made on my son 's card, who is an authorized user on my credit card account. My son is a XXXX  XXXX -- he certainly is not going to file a fraudulent claim. Again, this would be EASILY resolved if BarclayCard would simply CONTACT THE MERCHANT!!!! Instead, they are refusing to reimburse my money by lying and saying that I failed to submit information that they NEVER requested.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have two private student loans handled by Navient. Since XXXX of this year, I have had to call them monthly ( could not solve the problem via their web site ). Each month I have to make the same request which is to apply a specific amount to ONE of the loans, and leave the other loan UNAFFECTED. Both loans are paid automatically. I have requested {$1900.00} to be paid as an extra payment on ONE loan MONTHLY until THAT ONE LOAN is paid off. Each month less has been applied ; typically {$1900.00}. and dispersed among BOTH loans. Also, until the most recent phone call I made onXX/XX/XXXX I was not told that I could pay a MAXIMUM of {$1900.00} and was not given a reason for this. This is causing me to have to pay my loan off longer than I want to pay it off. My plan is that when that one loan is paid off, then the {$1900.00} would be applied to the remaining loan. Each month they apologize and assure me that the following month, the amount deducted automatically will be applied to the ONE loan I want it applied to. Each month this is NOT the case. This situation will cause me to have to pay my loan off over a longer time frame than I want to and will cost me more money to do so. I have never made a payment late or paid less than was was required. Please advise. Thank you.
Consumer complaint received 2021-07-30
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)

I had a transfer of funds for XXXX on XX/XX/2020. It was transferred to account that was not in my name. I have filed two different claims and nothing has been done. Each time because of the amount I have to talk to a additional department and both times I have been hung up on. I m very frustrated with waiting on the phone with this company. I understand they are very busy but I need my funds back.
Consumer complaint received 2021-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (NY)

Carmax is reporting a fraudulent account to my credit report even after I contacted them, and explained that I have never had a loan through them nor have I ever purchased anything from them. I explained and showed proof that I am a victim of identity theft and that this account they are collecting on does not belong to me and needs to be immediately removed from my credit report. They refused to remove the fraudulent account from my credit report or even do anything about they fraud.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Helm Associates (PA)

I XXXX XXXX entered into a consumer credit transaction with B & B Automotive on XX/XX/XXXX, where I got a XXXX XXXX XXXX. The finance charge was {$3300.00}. A year later I then entered into another consumer credit transaction on XX/XX/XXXX, where i got a XXXX XXXX XXXX. The finance charge was {$4200.00}. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 U.S. Code 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting their statement ( bill ). On XX/XX/XXXX i received a bill which is a violation of 15 U.S. Code 1692b.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX XXXX popped up on my credit report a few years back owing $XXXX. Since I was and still am a current client of XXXX  I asked them how I could possibly owe a delinquent account and I'm paid current amount. I had moved, they didn't transfer the account  correctly. It was corrected. This account and amount that another creditor just randomly threw on my credit report.  It is not owed. It has never been owed.  It was a mistake on XXXX  part and XXXX  fixed it.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

American express closed my credit card account. I found this out today logging online while the card shows it is valid tillXX/XX/XXXX. This card was booked in XX/XX/XXXX I have a XXXX   fico  and never had credit issues but AMEX for whatever reason gave me a student line and never bothered to increase it. While there is no denying that AMEX card is the least preferred in my wallet as I never know if I would get declined for my purchases, I am not happy that they terminated the card without an email or a call explaining why they are closing this account. I would need help to re-instate this card.
Consumer complaint received 2021-07-30
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. (NY)

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.