davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I received a letter dated XX/XX/XXXX from my XXXX XXXX XXXX XXXXssued through Citizens bank. 
In this letter i was informed that your agency made a ruling that allows them to change my fix interest rate credit card to a variable interest rate. I've had this card since XXXX and have an interest rate of 7.74 %. they are now informing me that this rule is discontinuing the use of the XXXX index so now they will be using the prime rate. So as I understand it my interest rate is now a variable rate which will obviously go up now that the prime rate is going up. I did call the credit card company and the rep said that it is CFPB that is responsible for this change. How is this possible? I thought you were supposed to an advocate for the public. Please explain how this can happen. 

At the end of this claim I put Citizens bank but I hope you revue this first because if the CFPB has made a ruling that allows credit card companies to make this change then my problem is with the CFPB as the CC companies are just taking advantage of a ruling you made in their favor.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-15
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. (GA)

I have credit inquires on my credit report that I did not authorize on my Experian report. 
Inquiries : XXXX XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Consumer complaint received 2022-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have emailed Capital One many many times regarding one of my accounts that became a Charge Off in XX/XX/XXXX and was paid in XX/XX/XXXX. My emails were sent on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have only heard from them maybe XXXX or 4 times. The people I spoke with were not the ones I sent my emails too. My matter was passed down to the least priority and not properly handled. I was given the roundabout standard responses and they were just trying to get me off the phone and not to worry about me. I've been a member of Cap one since XXXX and have 2 open accounts with them. Which I've been on top of them like no other. Making full monthly payments on most months. It feels like I am just a number to them and just another account that they see money coming from instead of the actual person I am.

I have been reaching out to them 18 times since XX/XX/XXXX and still dealing with this matter. It causes me physical and mental issues having this matter still hang above my head.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is Jefferson Capital. I called them on XX/XX/ to explain to them that this was not my debt, I had never heard of the original debtor which is XXXX. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XXXX XXXX XXXX  to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (FL)

I would like to report a concerning discrepancy between my payment made in full to XXXX XXXX XXXX XXXX debt collections service company, Sunrise Credit Services, and lack of payment confirmation from XXXX XXXX XXXX. My credit report incorrectly indicates that my {$8500.00} XXXX XXXX XXXX debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to Sunrise Credit Services with the understanding that they would pay off my debt, update the credit report and expeditiously notify XXXX XXXX XXXX of my payment status. XXXX XXXX XXXX provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the XXXX pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with XXXX XXXX XXXX to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the XXXX XXXX XXXX team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to XXXX XXXX XXXX, through the debt collections service company, Sunrise Credit Services www.sunrisecreditservices.com, XXXX. On XX/XX/2022, Sunrise Credit Services withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to XXXX XXXX XXXX. Unfortunately, to date, my payments to XXXX XXXX XXXX via Sunrise Credit Services are still not reflected on my XXXX XXXX XXXX account, nor have been updated on my credit report. My credit report incorrectly indicates that my XXXX XXXX XXXX debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at Sunrise Credit Services. I am concerned my payments were misappropriated.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MD)

I received notifications that I have a potential negative error on my credit report from a company Sunrise Credit Services, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX, XXXX for XXXX XXXX. I have never received any written notification and they are reporting inaccurate information. Sunrise is showing false representation of ( a ) the character, amount, or legal status of this debt.
Consumer complaint received 2022-04-15
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 XXXX XXXX XXXX XXXX account and XXXX, 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 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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. (TN)

I have made MULTIPLE attempts at clearing up fraudulent inquiries on my credit report and have been told now 3 days in a row that they will be removed in 24 hours and even had a direct phone number and extension of a rep who said it will be done and it still has not been corrected. This will be my last attempt at having these inquiries removed before i seek to go the litigation route and sue for all 4 inquiries being reported on my report despite not even giving permissible purpose or authorizing these inquiries. 

The inquiries that are fraudulent are listed below with the date and name of the company. 

XXXX : XX/XX/2022 XXXX XXXX  : XX/XX/2022 XXXX XXXX  : XX/XX/2022 Experian XXXX XXXX : XX/XX/2022 These are FRAUD/Identity theft!!!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the Equifax data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.
Consumer complaint received 2022-04-15
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 XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, 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 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (PA)

I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXX  XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX  XXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped XXXX points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, XXXX XXXX, and Equifax. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXXXXXX XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX XXXXXXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, Trans Union, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX
Consumer complaint received 2022-04-15
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: The Receivable Management Services LLC (NC)

On XXXX XXXX Receivable Management added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verity this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Receivable Management has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

On Thursday XXXX XXXX around XXXX XXXX my husband, XXXX XXXX called the XXXX XXXX XXXX XXXX for the XXXX XXXX in XXXX XXXX. While the representative was looking at his reservation he inquired about seeing a show in XXXX. The show was not available but the representative started telling him that as a XXXX XXXX member with a certain status he could qualify for a free night at the hotel. The agent had a very heavy accent and my husband wanted to be sure he clarified what he heard so he asked the Agent several times if there were any conditions to the offer and was told no so he accepted the offer of a free night. The agent then said that she would play a recording for him to finalize the deal. When my husband listened to the recording he was told that a XXXX application was submitted on his behalf. He immediately called the number back and just happened to get the same agent. He told her to immediately retract the application and told her that what she did was deceptive and that she knew very well that he did n't consent to a credit card application. He then asked to speak to a supervisor and was put on hold. He was hung up on by the agent who 's name was XXXX. He called back and this time another agent answered the call. That agent transferred him to a Supervisor by the name of XXXX who said she would escalate the complaint and review the recording of the call. They then said that they would call my husband back within 24 hours. That never happened. He did not receive a call back at all. I want to be sure that the CFPB is aware of this company and their practices as I believe that they are using deceptive sales practices to sell credit cards. We later received notice from Comenity in the mail saying " Thank you for your recent response to the Pre-approved credit card offer but he was declined! '' He did n't even apply for the card in the first place. I know that this is considered a XXXX issue and would like to have this investigated. This reminds me of what XXXX XXXX has done! Please investigate this company before they manipulate someone with less knowledge of getting a credit card. 

Thank you in advance, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

On XX/XX/2022 I received this text asking if I attempted a {$3500.00} scheduled XXXX payment. I replied " No ''. They called my phone immediately afterwards. The caller id said " US Bank ''. 
I answered, he says he's going to help me protect my money. So while impersonating a US Bank employee, he tricked me into " moving my money '' to my new XXXX account with my name as a contact. Long story short, I was scammed for {$3500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( So XXXX not rich by a long shot ). So I really feel foolish for trusting my " bank '' to protect my savings, and I lost it all. I even filed a police report. I have that to US Bank as well. They did an investigation, only to deny my claim. I was just introduced to Regulation E. But it's confusing to me how to go about it. Please help me refund my money.
Consumer complaint received 2022-04-15
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. (SC)

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (AR)

I have been with Regions bank of Arkansas for a few years now and havent had any issues, until recently. The bank keeps charging these monthly fees and takes my money out of my checking account to cover these fees. The monthly fee is {$8.00} and every month they keep taking it out of my checking to cover it. Im no longer working due to my XXXX and am trying to save whatever I have. I can not live by if they keep charging me these fees. The fees will continue to be taken out of my checking until I am in the negative. Whenever my XXXX gets approved I need to have my checking account open for direct deposit. When it comes, that money will go to the coverage fees. I can not have this happen.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (CA)

On XX/XX/XXXX, I received four collection letters from Lockhart , Morris & Montgomery Inc, for old medical debt stemming from a hospital stay from XX/XX/XXXX to XX/XX/XXXX. This debt was previously resolved on XX/XX/XXXX, by the previous debt collector, XXXX XXXX XXXX, which was the collection agency for XXXX XXXX XXXX XXXX XXXX. 

I have enclosed the letter I sent to Lockhart, the collection letters from Lockhart, and the billing statement from XXXX that shows a XXXX balance for all charges. 

I am not responsible for this debt. I do not owe the amount claimed by Lockhart. It has been paid in full. As you will see from the enclosed OnLine Information Services, the previous collector of debt canceled all balances and instructed the credit bureaus to remove all accounts from my credit file.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I opened a Chase Amazon Visa credit card ( " cc '' ). I received a hard card, however, Amazon also posts the cc and its information online, specifically, on my Amazon online account. I have used this card a few times and have paid on my cc each month. The issue that I am having is the constant fraudulent charges against my cc. I have received many, MANY notifications from the cc company asking if I made so and so purchase and 99 % of the time I have not and as a result, the cc company will shut down my credit card and send me a new cc. Unfortunately, the cc company will also post to my online Amazon account my new cc information where it is used fraudulently. It's this continual circle of fraudulent charges, shut down my cc, issue a new one, post it to my online Amazon account, issue me a new card, and before I have a chance to actually receive the new cc, it is being used fraudulently. I have asked the cc company to block my cc/not post it to my online Amazon account , however, I am told that can not be done so I am left with the headache of the perpetual fraudulent charges, issue the new cc, and can't use my cc because it's constantly being shut down. As you can guess, this issue makes it difficult to not only distinguish what exactly are my own charges vs fraudulent charges, however, I am left to make monthly payments and accrue interest on charges that are not mine.