davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OR)

Went shopping at the XXXX/XXXX XXXX XXXX  store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX  collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX, I was flagged as a fraudulent person by Home Depot, resulting in a ban from making any returns or transactions. Home Depot claimed my Home Depot Citibank credit card was under investigation for fraud and scamming. Despite never engaging in any fraudulent activities, I was humiliated in the store and treated like a criminal. Home Depot 's staff failed to provide any explanation on how or even why I was flagged, only offering a vague apology stating it must have been a mistake and a {$25.00} gift card, which I refused.

I escalated my concerns to senior leadership at Home Depot and stated my intent to cancel the card due to this unjust treatment. But, I continued to make monthly payments on my Citibank card, which had a {$25000.00} credit limit. Despite paying, sometimes XXXX hours late due to my payday schedule, I maintained a low balance relative to the credit limit. 

In XXXX of XXXX, when I went to pay my monthly bill, I noticed Citibank reduced my credit limit from {$25000.00} to {$3100.00}, bringing my balance extremely close to the limit and drastically increasing my credit utilization ratio. This action adversely affected my credit score, portraying me as a high-risk customer ( 99 % usage ).

When I contacted Citibank for an explanation, they echoed Home Depot 's language, labeling me as delinquent and irresponsible, despite my consistent payment history. Citibank 's representative stated that they had reviewed my credit report and preemptively lowered my limit, claiming I was likely to default on their card as well, since they saw I was having trouble with other cards, despite no missed payments on their account. The fact is I was out of work for 3 months and had a payment plan with my mortgage company and car companies and was doing what they told me to do, and unfortunately it still reflected negatively on my credit, because the full balances were not paid. In my anger and frustration over this unfair treatment, I decided not to make any payments in XXXX and XXXX. I let my frustration get the best of me, but this was the FIRST time since having the card that I have ever been this late. 

This treatment feels discriminatory and or very unjust. The decision to reduce my credit limit to my existing balance, combined with derogatory reporting to credit bureaus, has severely impacted my credit standing. Their actions seem punitive and intended to damage my credit reputation unfairly. 

XXXX was told I was very delinquent and never paid them, please see attachments from last year to current dates of all payments to Home Depot* they again stated because I was delinquent with them, that is why they took my balance from {$25000.00} to {$3100.00}. 

I seek the Consumer Financial Protection Bureau 's assistance in addressing this unfair treatment and ensuring such practices are not perpetuated against other consumers, especially those that look like me.
Consumer complaint received 2022-02-16
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. (MI)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$9600.00}
Consumer complaint received 2022-02-16
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}.
Consumer complaint received 2018-07-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Visio Financial Services Inc. (GA)

I took out what should have been a short term loan until I sold the property. However, this has turned into an issue where I have been unable to pay off the loan. The company keeps adding renewal fees to the loan each year and capitalizing the amount to the loan balance. The interest rate is very high. I have tried to pay this off to no avail. Please help!
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I was approached by Human Resources Specialist, XXXX XXXX XXXX via XXXX on XX/XX/2021 in reference to a graphic designer opening for the company XXXX. I was instructed to communicate with Senior Recruiter, XXXX XXXX. I filled out a virtual screening questionnaire and returned it via email. On the XXXX, I was given the job opportunity for a remote graphic designer. I received an employment offer letter and duties of the position. XXXX XXXX XXXX Manager, XXXX XXXX, sent the letter and addressed on how to continue on : pertaining to procurement of office supplies and how to begin working. The employee letter was signed and returned. Stack stated that as soon as the office supplies are under my possession, training will begin. She instructed me that a certified mobile check will be sent to me to acquire the office supplies. " The Finance Department will contact you via text message to walk you through the next steps in the check payment process '', XXXX emailed. I let her know that I was contacted via text and sent the mobile check and instructed on how to move forward. I was sent the account number and name of the vendor. XXXX  emailed me that the supplies will be delivered XX/XX/2021 to my address. I was in text communication with XXXX XXXX from XXXX XXXX. He asked me to confirm who I was and my address. I was instructed to get a cashier 's check for their account. I was also contacted by XXXX XXXX, account department for XXXX. He communicated with me through the vendors interaction. I deposited the mobile check into my account, waited a few days to ensure the check cleared into my bank... which it did. I moved forward and made the cashier 's check to the vendor, XXXX XXXX at XXXX Bank. On XX/XX/2021, XXXX, I received a notification from my bank, Suntrust now Truist, that it bounced and I was negative {$4900.00} plus return fees. I immediately spoke to my bank and they told me that there is nothing they can do and that it is my responsibility. I had no idea about these types of scams or that people could do this. They said they are not liable even though they let the check clear and didn't send me notification until weeks later after the damage had been done. I filed a police report and attempted to contact XXXX but of course no answer. The people I spoke with have refused to rectify the situation.
Consumer complaint received 2022-07-27
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. (NC)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint XXXX, XXXX, and XXXX & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
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. (OH)

ATTN : XXXX XXXX  XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX ( TWICE ON DATE ) XXXX XXXX XXXX XXXX ( TWICE ON DATE ) XXXX  XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (PA)

I was attending XXXX XXXX in 2013. I found out the " school '' I was attending was for profit, they drained my financial aid and I found out they are not even credited in PA. When I left my balance was at {$0.00}. Then a couple years later when I wanted my transcripts some how I owe {$4000.00}. I have been trying to dispute this because of their predatory practices. I asked their creditor, that calls me constantly, to have their information to dispute the debt and the guy started yelling at me, telling me that it is my fault and XXXX did nothing and what makes me think I can dispute this. He was very rude, yelling at me for no reason and over a debt that I got scammed into in the first place.
Consumer complaint received 2022-07-27
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. (TX)

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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.
Consumer complaint received 2020-10-27
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 have had my identity stolen few times before and still have some on going issues, specially with my credit report. I have filed a police report about a year ago regarding some incorrect information pertaining my credit report and need this to be resolved.
Consumer complaint received 2018-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I placed an order for 25 Unicorn XXXX for {$270.00} through a website called XXXX. There were supposed to arrive on XX/XX/XXXX. I was given a tracking number of XXXX. Then on XX/XX/XXXX I revived a very small package with the matching tracking number on it. Inside was 1 little kids coin purse measuring about 2x2 ... very small with a picture of a XXXX character. The 25 XXXX never arrived and i was told by XXXX I would get a refund. The refund was never given either. Capital One told me they could only reverse the charge if I could show proof I returned to package to the sender. it was too late for this as I through the item that would cost less that {$1.00} away. I even showed Capital One proof of the merchant admitting the wrong parcel was sent and I would be refunded. The merchant did not ask for the wrong parcel to be returned. It's not been several months later and XXXX has still not given a refund and Capital One still won't do anything about it.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account with Bank of America XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. I was misguided to open this account under the pretense that having an extra checking account with a low balance will provide extra protection against fraud. This account was left idle and never used for any Banking purposes since I already had a regular checking account and a savings account prior to this checking account opening. 

Little did I know that a monthly maintenance fee of {$25.00} was charged likely since the opening of the account. I can't access the full account transaction history to verify when the first charge was made. I can only view the monthly records from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to today, a {$25.00} maintenance fee was charged and a XXXX cent interest was posted to this account. No other transactions occurred on this account. When I called Bank of America, the service rep, XXXX from Washington, verified that she could see further back to XXXX and the same pattern existed ; Bank of America charged me {$25.00} in fee every month for 3 years. She couldn't see further back to the account history to find out when the first maintenance fee was charged. 

I would like to file a sales practices and UDAAP complaint against Bank of America. I was not notified any account maintenance fee at account opening time. Nor did I ever needed this account had it not been for the banker to talk me into it. I would like Bank of America to refund all the maintenance fees ever charged to this account in full and close this account. I am outraged with their misconduct. This account bears no other transactions initiated by me. It shows a clear trail of Bank of America 's greedy operations of charging {$25.00} fee to an account that was never used by the customer month over month for many many years without even a notice to the customer. 

Thank you.
Consumer complaint received 2023-03-27
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. (CA)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Card # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # No Account Number Provided, 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 2022-04-06
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. (NC)

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 2023-03-27
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. (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (TX)

I, XXXX XXXX, desire to be part of the CFPB claim against Tempoe LLC for an illegal transaction and contractual agreement. I want my debt of {$1200.00} to be forgiven immediately. The Consumer Financial Protection Bureau ( CFPB ) today acted against Tempoe , LLC  for tricking consumers into expensive leasing agreements by concealing the contract terms and costs and failing to provide legally required disclosures. Forty-one states and the District of Columbia are entering into a parallel multi-state settlement addressing the same conduct. Tempoe offered financing at the point of sale to customers at major retailers such as XXXXs and XXXX. By hiding the true nature of the agreements, Tempoe tricked consumers into signing the leases, and consumers found themselves unable to return products and on the hook for unexpectedly large payments. The CFPB is permanently banning Tempoe from offering consumer leases, requiring the company to close each of its outstanding consumer accounts, and ordering the company to let customers keep leased merchandise with no further payment, representing approximately {$33.00} XXXX in released payments. Tempoe is also paying a {$2.00} XXXX penalty, with {$1.00} XXXX deposited into CFPB 's victims relief fund and {$1.00} XXXX paid to the states entered the settlement. 
My debt of {$1200.00} must be forgiven immediately!!! 
XXXX XXXX