davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Spoke with XXXX at the Synchrony Bank customer service XX/XX/XXXX At About XXXX XXXX  and asked why I had a returned payment for an old bank account I had removed from my auto pay. She stated she did not have access to that information and transferred me to a supervisor named XXXX. 

I asked XXXX XX/XX/XXXX at about XXXX XXXX the same question to why funds were pulled from an account no longer associated with payments. She confirmed bank information was changed XX/XX/XXXX to a different account. XX/XX/XXXX a {$55.00} payment was attempted from my old XXXX XXXX account I had removed as a payment method. 

XXXX stated that she could not provide me the account they had attempted to pull a payment from on XX/XX/XXXX. 

This is a case of a blatant fraudulent transaction without my authorization and contrary to what I had requested more than 2 weeks prior to this payment. 

Employees of Synchrony Bank are being paid to cover up this fraudulent activity or choose to simply lie and cover up fraudulent transactions willingly.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 Report/Complaint/Dispute To : CFPB Re : ( XXXX ) XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, TX XXXX Dear Sir or Madam, Account number XXXX On XX/XX/2019 I entered into a contractual agreement with the above company ( s ) for a loan in the amount of {$3000.00} dollars. On XX/XX/2019 the company reported the transaction to XXXX as a new account. Each subsequent month to date the company reported the same transaction to Experian, and XXXX as a new account. As a result my credit rating has reduced dramatically causing much Financial HARDSHIP and PUNITIVE injury! 

I am filing this complaint because of the above dispute with the above company of which I tried to resolve without success. Verification of my complaint are attached. 

Yours truly, XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I have never applied nor perform services or business with XXXX XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (RI)

This account is not mine. I have had identity theft in the past and I believe this was XXXX of those accounts. I did not have an account with XXXX XXXX XXXX. It states the date opened was this year in about XXXX. I have not had a credit card in many years and therefore it is impossible that this debt is mine. They refuse to validate the debt and I have submitted emails and requests for documentation to no avail. This company has had many complaints against it for trying to collect invalid debts. I am not going to be held liable for this debt and in fact it is impacting my credit at this point since I have not been able to get it removed. I demand proof of this debt.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- 1. ) XXXX XX/XX/2022
Consumer complaint received 2022-10-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2022-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was issued a mastercard virtual prepaid disbursement card as a part of claim through XXXX and i am unable to redeem it in any of the online stores I would like if someone could tell me how can i use the money
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection for XXXX XXXX XXXX XXXX was disputed and erased from my credit report after several attempts and now the collection has been put back on my credit report again.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, XXXX  and XXXX are reporting a XXXX  XXXX XXXX  account ( XXXX ) and a XXXX XXXX XXXX   account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can Equifax, XXXX  and XXXX honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.
Consumer complaint received 2023-03-14
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. (LA)

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines XXXX XXXX  : Acct # XXXX
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (UT)

I paid National Credit Adjusters {$1600.00} on XX/XX/XXXX, they show my account in the negative and still open, {$2100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$2100.00} Highest Balance {$2100.00} Opened XX/XX/XXXX XXXX XXXX yr ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX This account needs to be removed from my credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2020-02-28
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. (AR)

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX   XXXX {$1100.00} XXXX  XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX  XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX  XXXX {$4200.00} XXXX  XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX   XXXX {$2200.00} XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (DE)

XXXX submitted a duplicate payment For one order that was {$280.00}. The purchase details shows {$250.00} due to a return on the order of {$280.00}. I signed one loan disclosure. The loan disclosure shows {$330.00} after interest is to my purchase of $ XXXXTwo installment plans were placed on my affirm account from XXXX. I was charged twice and double the amount. I contacted XXXX told them about the mistake. I was told the error would be corrected but the double charge was submitted to affirm anyway. Affirm set up a monthly installment for two accounts when there was to be only one purchase!
Consumer complaint received 2020-02-28
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: Bread Financial Holdings, Inc. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

I attempted to close my Wells Fargo checking account today. There is a bit over {$1200.00} in the account and the fees every month were {$35.00}. I had previously attempted to close the account online but was told that the address I was using to remit the funds was not acceptable because it was a Post Office Box. I was told I needed to come into a branch to close the account. This is very inconvenient but today I went to a branch in XXXX ( XXXX and XXXX ) to close the account.

I was told that they can not close an account on the last day of the month, They gave me the proceeds of the account but did not close it. They said I needed to come back on a business day that was not the last day of the month or the first two days of the month. I asked if I would still accrue fees and was not given a response. 

So the account remains open despite repeated attempts t close it.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (PA)

First, I have an overdraft protection checking account. An overdraft was triggered in late XXXX ( XX/XX/22 ). TD Bank sent me a payoff statement for the overdraft which I paid in full ( {$340.00} ) on XX/XX/22. They latter sent me a statement on XX/XX/22 saying that they have a new payoff figure for the same overdraft of {$1.00}. in interest. I spoke to numerous representatives at TD Bank and they refused to cancel this charge. TD Bank is hiding the real payoff figures in these overdraft situations so they later can charge additional interest causing the consumer millions of dollars nation wide. No where on their statements does it say that this figure is not a true payoff figure. It is clearly obscured and borderline fraud.
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX  District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING