davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
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 (IL)

On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out. 

A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available. 

On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid. 

I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is  not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim. 

Here are the unauthorized charges : XX/XX/XXXX XXXX  {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip XXXX XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous.

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-29
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. (OH)

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, XXXX and Experian and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. 
XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.
Consumer complaint received 2022-07-13
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. (GA)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Equifax : 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 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, XXXX re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, Equifax Breach and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-29
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. (LA)

I have called each bureau about fraudulent inquiries on my report Experian removed some XXXX said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. Experian : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (UT)

I opened an SYNCB/TJX XXXX XXXX Card in XXXX of XXXX approximately, I used the card for about 9 months, after that, I had my wallet stolen with my picture ID and copy of my social security card, my bank card, and my SYNCB/TJX card. I suddenly received a bill from SYNCB/TJX, and I contacted them to explain what had happened, in a few words, they said that I owed them money and I needed to pay them all the charges, plus fees and interest on purchases that I never made and I reported fraudulently. 
I explained that I would not pay for something I did not purchase, and they threaten to continue to collect the funds and damage my credit. 
They have damaged my credit and my ability to live a normal life. Until a friend told me I needed and could report this issue to you. 
I am asking for your help to have SYNCB/TJX, drop all the charges since they are not my charges and this situation was reported. Please have them mail me a letter confirming that I am not responsible to them for any amounts owed and that they have been aware of this situation for years. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2020-09-15
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: TD BANK US HOLDING COMPANY (IL)

On or about XXXX XXXX my replacement Target credit card was stolen while being sent to me. They stole parts of my identity to change pin # and stole from Target and many banks. Target denied my claim XX/XX/2020. I sent an appeal letter along with the police report XX/XX/2020. I called Target today XX/XX/2020 to talk to a fraud supervisor and all I get is the run around.
Consumer complaint received 2022-08-29
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. (TX)

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with child support OFFICE OF THE ATTY GENERAL
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a XXXX  XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.
Consumer complaint received 2023-01-26
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX 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 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (AL)

Since opening account with Navy Federal Credit Union in XXXX, I suspected that my funds being deposited were stolen in small quantities throughout account opening and closing of account approximately XXXX. Since then, I have obtained access to mortgage account history that appear to confirm my suspicions. I ask that you please review all payments received by Navy Federal Credit Union that occur prior to and after monthly loan payment made. It appears that multiple payments are made to mortgage accounts. Also, please pay special attention to transactions occurring on due date XXXX date processed : XXXX, XXXX, XXXX for {$1000.00} per transaction.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX  Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

I signed up for a gym membership that ran from XXXX to XXXX. XXXX XXXX XXXX, the third party company that collected payment for the gym, continued to bill be after my gym membership expired. 

Now, a debt collector is attempting to collect the unpaid monthly fee.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : XXXX XXXX CA XXXX XXXX Docket # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

Thank you, XXXX XXXX XXXX