davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OH)

I got approved for a line of credit of {$7000.00} from Care Credit XXXX Syncrony Bank ) XX/XX/XXXX. I was informed that I would have a XXXX interest as part of their XXXX month promotion, then XXXX XXXX XXXX after XXXX months. I received a derogatory mark on my credit report for having my credit utilization at almost XXXX XXXX. I made payments made on : XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for XXXX XX/XX/XXXX for {$190.00} and XX/XX/XXXX for {$230.00}. I received interest charges since XXXX XXXX, but my concern is the interest charged of {$940.00} on XX/XX/XXXX. I had no idea why I would've been charged almost {$1000.00} in interest fees. I would have never agreed to pay anything like that... I would have just opened a new credit card and paid the interest fees on a normal credit card. I was incompetent when I signed anything agreeing to pay {$950.00} in interest fees on top of all other interest fees. I have explained to the company that I did not understand why I would be charged that much of interest and the rep told me I signed it and I am responsible to pay. I told him that I was reaching out to the Consumer Financial Protection Bureau and he said " ok .... '' then ended the call. Can this please be reviewed? I can not afford to pay this and I don't know my options.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Chime Financial Inc (MD)

Chime credit builder credit account that I have is a secured card which was set on my app as safe pay which means it shouldve kept reporting paid as agreed under the fair credit report and act because I had a XXXX balance when I got detained and locked up on XX/XX/XXXX. I just seen on XXXX XXXX  that they reported my last payment was XX/XX/XXXX but then when I looked harder at the information they only got a check for pay as agreed up to XX/XX/XXXX. After that its all gray no data. It is also being reported the same way on XXXX not sure about how they report it on experience right now, but theyre reporting false information because its a secured card and while I was away in the XXXX XXXX XXXXXXXX XXXX for 14 months they shouldve reported to all three brows like agreed when opening the account and auto pay safe is on and there is no balance that I owe Chime credit builder account shouldve been reporting paid as agreed and still should be reporting paid as agreed to all three major credit bureaus or credit agencies, but they are not. This is a violation against the fair credit reporting act because their reporting basically false information if it is a secured card With safe auto pay set up already on it. I guess can report that the last payment was XX/XX/XXXX but I still shouldve got checked off as paid as agreed because XXXX balance was owed the whole time I was at the XXXX XXXX XXXX XXXX being XXXX XXXXm going to dispute this with all three major credit bureaus via US mail I also been requesting my payment history for the whole time Ive had the account and Ive been requesting through Chime all my bank records included from the day I open the account up and XXXX or XX/XX/XXXX until they close the account which I do believe was this last XXXX that just closed my regular chime bank account over XXXX dollar balance even after I explained to them that I have been a victim of identity, theft and supply documents proven I filed a police report just as soon as I came home and was able to do so I will be disputing the Chime credit builder account through the mail with all three major credit bureaus because they are violating the fair credit reporting act by reporting false information
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLIANT CREDIT UNION (TX)

I ordered a XXXX XXXX XXXX on XX/XX/XXXX and applied for a loan with Alliant Credit Union that initially approved my XXXX XXXX XXXX. The transaction from Alliant to XXXX XXXX XXXX to the delivery guy and then back to me all confirmed ( even on their XXXX.XXXX  platform ) that the transaction from Alliant to pay the full amount of the XXXX XXXX  XXXX was paid in full, showing on my profile that at delivery I owed XXXX {$0.00}. I took screenshots of the {$0.00} owed to celebrate the victory of my delivery scheduled, withy profile showing the trade in of my XXXX XXXX for {$1000.00} and XXXX XXXX insurance task completed. A few days before delivery/pick up, Delivery Specialist, XXXX, from XXXX calls me to inform me of the loan suddenly not being approved even though my profile and all of my paperwork showed that I owed XXXX {$0.00}. In the same week one of XXXX 's finance personnel from XXXX XXXX tells me that finance was " squared away '' and that we were " good to go with everything ''. Weeks turned into months, and I applied more than once with Alliant Credit Union for the Auto Loan with denials the second and third time all while the model order and vin that I ordered sat in transit, reflecting the total amount of the car being owed again. All screenshots can be viewed here of before and after transactional discrepencies that contradict original documents and agreements made. XXXX : XXXX Emails and confusing text messages of the XXXX and Alliant Credit Union staff can be provided via XXXX XXXX, XXXX XXXX XXXX, or any other cloud service of your choice.
Consumer complaint received 2023-07-17
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. (PA)

I noticed accounts and inquiries that are inaccurate on my consumer report.

Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Company have infringed upon my rights. Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my credit file.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to file a formal complaint against XXXX, XXXX and Experian, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

I opened an account on XXXX that had a {$300.00} promotion if I sent direct deposits totaling at least {$2500.00} in 60 days. TD bank shows the deposits received via direct deposit on XX/XX/XXXX and XX/XX/XXXX totaling over XXXX. 

Per secure message, they are refusing to honor the promotion because I was a customer who received a bonus on XX/XX/XXXX. However, their terms state you can not have received a checking bonus in the previous 12 months. Per their own confirmation, it was significantly more than 12 months since I had a checking account. However, they are not providing the bonus still and will not send their copy of the terms and conditions I signed up under.
Consumer complaint received 2023-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 a cash advance was taken from my Bank of America credit card in the amount of {$18000.00}. When I noticed the charge, I immediately notified B of A. I followed all the instruction to file the dispute. After 90 days the dispute was rejected, and they want me to pay the fraudulent charge.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello I'm XXXX Happy XXXX XXXX Just wanted to inform y'all Could you please update my XXXX XXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX  account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX not sure what's going on but please fix it immediately. I've called XXXX XXXXXXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX  ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY ()

Between XX/XX/XXXX and XX/XX/XXXX, I was victim of fraud on my account. 32 transactions totaling {$8700.00} were charged on my account without my authorization. I was not called or texted to verify the transaction. I can provide utilization data download from my cellphone provider to show that I was never contacted by TD Bank to authorize the transactions. 

On XX/XX/XXXX I contacted TD Bank after realizing that unauthorized charges were debited from my account. After putting the claim, I received a provisional credit of {$5300.00} on that day and a credit of {$420.00} on XX/XX/XXXX. Not all charges were captured correctly on my first conversation on XXXX and the initial credit received did not cover all fraudulent transaction. I therefore contacted TD Bank again to open a claim for the missing transactions. On my second conversation on XX/XX/XXXX transactions were added to my claim equaling {$3000.00}. On XX/XX/XXXX of the 32 provisional credits I obtained were reversed. On XX/XX/XXXX I visited my local branch and put a new claim for the 12 transactions that were denied a credit. On XX/XX/XXXX, my account posted the 12 credits provided were once again reversed.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: STEWARD FINANCIAL SERVICES LLC (MO)

see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. <P/>I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? <P/>Just for the record what was the pay off?
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account name : collection. 

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
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 2023-07-17
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2023-02-08
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. (NV)

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 2023-07-24
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)

DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE XXXX CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.
Consumer complaint received 2023-05-18
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: ALLY FINANCIAL INC. (AL)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-07-17
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. (PA)

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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts XXXX XXXX - XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602.A States i have the rights to privacy. 15 U.S.C 1681 section 604.A section 2 : It also states a consumer reporting agency can not furnish an 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 antendates 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I dont remember the exact dates but for the last 12 years I have been charged lots of overdraft fees for nothing. They used the automatic system to XXXX the customers with bunch of overdraft fees. You make payments on time they hold it and wait when your account is low and then they processed they payments and bring your accounts with negative balance so they can charge you {$35.00} overdraft fees. I am a victims of that XXXX.