davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I had problem with Macy 's Credit Card over the limit purchases, as they advertise they won't allow transactions to go through, if dept is over the limit by XXXX $ but they allowed transactions after that up by XXXX $ plus XXXX $ pending transactions ( limit is XXXX ), this destroyed my credit score and got it decreased by XXXX points, this is insane. 
Additionally those XXXX $ + transactions went through after billing statement was ready and balance up by XXXX $ over the limit. 

So statement date was XXXX of XXXX, already above by XXXX $ of what should be allowed, they might say XXXX $ interest charge applied but it still does not sum up. 

Ironically after that, they allowed transactions on XXXX of XXXX. 

They also might say some transactions were pending, this does not make sense, if I by something for XXXX and is pending why should they allow me to purchase another XXXX $ for example. Insane. 

This is fraudulent, because it does not match the advertised service and terms. 

Please see screenshots for better understanding
Consumer complaint received 2018-09-18
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2018, I submitted to Wells Fargo Dealer Services via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of these applications as requested in my letter. 

In my XX/XX/XXXX letter sent certified mail, I asked that if you were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, you chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies. 

Since you did not produce any evidence that I made the inquiry authorization, I demand that your unauthorized inquiries from my credit profiles are removed. Further, I also demand that you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2023-07-06
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. (GA)

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 USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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 ( 2 ) ( 5 ) Sections states. No consumer reporting 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.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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. (FL)

It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of 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 If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (FL)

Made a balance transfer to credit card at a 0 % APR until XX/XX/2020. The credit card was used to make a purchase, and the amount of that purchase was paid at the end of that month. However, ever since I made a purchase and paid it off. The credit card company charges me interest every month. I called the credit card company to ask why am I being charged interest on purchases I have not made. I was told that this is what happens if I use the card, I will be charged interest on purchases, until I pay the whole balance transfer off first ; the purchases go on the back end and will accrue interest. Ultimately, I find their practice to be deceptive.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I purchased furniture from XXXX  XXXX using the account number below. 
Re : promotional offer expired XXXX XXXX XXXX XXXX I was on time and consistent with paying my account for the past 2 years, I had financial hardships and changes in my income. I paid on time each month. When the promotion ended, I was facing family challenges that distracted me from preparing to pay the {$740.00} balance, now my current balance has increased to {$1800.00}. On XX/XX/XXXX I called the company to request a 30 day extension to allow me to pay the previous balance, they declined stating if I called on XX/XX/XXXX, they could of approved it for 30 days. The credit card customer service representative communicated that this information regarding extending the promotion was not in writing.
Consumer complaint received 2019-04-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (TN)

XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.
Consumer complaint received 2019-04-25
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. (CA)

XXXX XXXX provide me a letter for XXXX, Transunion and XXXX  to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, Transunion and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX Loan # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX XXXX Rep and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on Transunion and XXXX.It needs to be added to Transunion and XXXX immediately. 

I am XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, XXXX and Transunion have a business partnership with XXXX?
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

portfolio recovery assiciates llc sent me a letter saying that i have an account with them and that they are going to take monies out of my account for this debt. I told them that these debt does not belong to me and stop calling me about it. I ask them to send me proof that i have a contract with them, show me where i sign any contract with this collection companies, the only thing they sent me was an bill stating that i owe them. this is just a bill they bought from the credit bureaus saying that i owe them. I also contacted the credit bureaus in regards to this fraudulant account and they said it was verified, I ask them to send me any documents they have on this fraudulant account, that verifies this. the credit bureaus have not sent me any kind of documents. how can the credit bureaus put anything on my file without having documents to verify. they are so crooked, with so many data breaches on these credit bureaus, they should look into this.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates obtained a judgement against me back on XX/XX/15. At the time I didn't know my rights, as a consumer, and they won the judgement by default. I had never received proper debt validation from them and they were constantly calling me in the time leading up to the judgement about getting payment and threatening me with a lawsuit. I just read an article " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' dated XX/XX/15 regarding Portfolio Recovery Associates and the legal action taken by the CFPB against them. I feel like I was in this category but it was quite a few years ago. Was there any class action suits filed against them for this? I was never advised about this until now so I'm looking into any new options I may have.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2014 we purchased furniture in XXXX XXXX XXXX in XXXX, Ct ( sales order : XXXX ). Their address is XXXX XXXX XXXX XXXX, XXXX, CT. Phone number : XXXX. 
To induce me to purchase the furniture items the sales person offered us 5 years interest rate free loan in the amount of {$3000.00}. The sales person never mentioned that the interest free period continues only for two years ( we were said that we will pay 0 % for all 5 years ). Recently we discovered that actual interest free period was only for 2 years and that we were charged 30 % interest rate retroactively since the first day we purchased the furniture. 
We strongly feel that this transaction is a fraud by XXXX and by Synchrony Bank which provided the loan. We were charged thousands dollars in interest and fees about which we were not aware and never would assume such a loan if we new that interest rate is 30 % per year instead of 0 % for 5 years as was promised to us.
Consumer complaint received 2019-04-25
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: FIRST NATIONAL BANK OF OMAHA (CA)

My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019. 
I clearly stated that I personally I have nothing to do with any of charges posted on that card. 
Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone. 
They provided me with new number XXXX then XXXX XXXX for additional assistance. 
At the time of the claim opening I specifically stated that I never called and confirmed any of the charges. 
I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility. 
I am clearly a victim of identity fraud.
Consumer complaint received 2019-04-25
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: SYNCHRONY FINANCIAL (GA)

It is a hard inquiry. It doesn't show any amount or any dates. I haven't checked my credit in years but when I look on my report it's a lot of things i do not recognize at all. I did have someone do some fraudulent things with my SSN.
Consumer complaint received 2019-04-25
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. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. Equifax is also reporting 30, 60, 90, 30 for late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however XXXX is reporting 90, 30, OK, OK for payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

What happened was that my phone was stolen and someone has been transferring money using my mobile app. He did {$1000.00} and {$1400.00} on XX/XX/XXXX, two {$2500.00} on XX/XX/XXXX, and two {$1000.00} on XXXX XXXX were transferred to an account that I do not know. However, I have received none email notifications about adding someone new to my XXXX account 's contact or sending the money. The only email that I got was from XX/XX/XXXX at XXXX about sending {$2500.00}. In addition to that, I have not received any text message verifying any of the transactions. 
I went to Bank of America on XX/XX/XXXX to freeze the account and to file a fraud claim. The claim number is XXXX-XXXX, issued on XX/XX/XXXX and closed on XX/XX/XXXX. I got the result back - a letter saying that upon their research, they have determined that they are unable to honor the claim because they think that I gave authorization to whom transferred the money. I here claim that I did not authorize anyone to access my bank account, the money was stolen from me And I did not receive any email or text messages for the earlier transfers out of my account from Bank of America for the illegal transfers. I feel this slack on part of Bank of America made me lose the money from my account.