davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (DE)

I rented a car from XXXX and I was apparently over charged which took me over my credit limit on my XXXX XXXX MasterCard by about {$250.00}. I paid the balance I owed and the amount that took me over my credit limit I paid with my debit card which my funds should have been available on my card within 24hrs it was not when I called I was told that my funds could be held for 30 days if I did not fax in a copy of my XXXX receipt showing that the rental card agreement was completed. Today I called and spoke with XXXX who told my self and my wife that the funds would not be released for 30 days, the funds would be available on XX/XX/XXXX and this was a requirement of visa not XXXX XXXX this is not true I don't even have a Visa card I have a Mastercard. Not only is the 30 day hold a lie because my funds so far have been held from XX/XX/XXXX by XX/XX/XXXX is far more than 30 days. XXXX was terrible in his explanation of what is going on with my card. This is not right I did not ask for a credit I just paid my bill in full including any amount over the credit limit. I want to know why I am being punished for doing what I am supposed to do
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (CA)

There is a fraudulent account from XXXX XXXX XXXX reporting on my Equifax credit report and I submitted ; FTC report, personal statement, police report and notarized statement and Equifax never cleared the fraudulent account from my report. Its been close to 60+ days and the item has not been removed.
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency XXXX 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. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied with AMEX today for a credit card and was denied .My credit is in good standing and never any late payments or issues. This is not the first time that this company has denied me and when I called to find out the reason I was told that was due a card that i had with them back in XXXX? I have looked all over my credit report and only card that i had was with my ex-husband and account was opened in XXXX and closed in XXXX. 
My daughter, tried to add me as an authorized user on her card and they denied me again for the same reasons a year ago .This is insane! I feel i am being discriminated due a bankruptcy that i had to file 18 years ago! The company is giving me the run around and need to get a resolution. Your help will be greatly appreciated. Thank you!
Consumer complaint received 2021-12-01
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: TD BANK US HOLDING COMPANY (MI)

i have contacted all XXXX credit bureaus as well as TARGET/TD XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX  balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a text message from XXXX bank telling me that my account had suspicious activity of XXXX. There was a link to click on to fix this problem. When I tried to call the phone number it went to voice-mail so I went to the web address given and it looks like a XXXX website, however, you can not proceed to any site function via site navigation without inputting your personal password/code and account information, ie account numbers, social security number, etc... I sent this to XXXX fraud department and to an antiphising department for fraud/theft. I am now reporting it to you. I hope you are able to locate these criminals before they steal any money or get any personal information to ruin others credit worthiness or banking information. I am enclosing a screenshot of the text and my personal information so you can contact me further if need be.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX In XXXX I sent in XXXX partial payments totaling XXXX. Well Fargo Mortgage accepted these and applied them to the principal only and not to the XXXX Payment. Wells Fargo sent a notice they can not accept partial payments so I corrected this by sending in full payments in XXXX. Since Wells Fargo applied these to the principal and not to a monthly payment it caused a cascade of late fees from XXXX to XXXX. 

The total of late fees are {$2400.00}. Since that time I did not receive a call, email, or phone call about my persistent late payments as I assume I did not miss a payment. They continued to collect consistent late fees while I continue to damage my credit.
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I check my credit reports, with the three bureaus and always wondered why my XXXX  profile never reflected onto my XXXX  and XXXX  page. With the hard inquiries I already disputed months ago with XXXX, deleted inquiries, I never asked for and so on. For XXXX  and XXXX  I learned that every credit bureau is different and doesn't update your profile based on what the other credit bureau does on your credit file. So for XXXX  and XXXX  I had to re dispute those hard inquires that were still on my credit file. For my XXXX  credit report I have a hard inquiry dating back XX/XX/XXXX, called CBNA. I called CBNA ( Citibank ) on XX/XX/XXXX, Citibank personal, Citibank business, and Citibank credit card customer service, gave them my social number and all told me they don't see an application for that date, etc. I call Citibank in the first place because I ask XXXX  to explain what is their dispute process, etc. They obviously told me contact the company of the inquiry, which I did. I spoke to about 5-6 Citibank agents because all of them clearly didn't see an application and really couldn't help me because they told me I would have to speak with XXXX. I asked for a letter from Citibank to give as documentation for XXXX, but seems they can't provide that. So I called XXXX  explaining the situation, which they probably don't believe me because at the end I can't provide documents, but its not my fault. So it's basically back and forth. So I disputed over 2-5 times of that false information because Citibank stated they don't see an application for XXXX, XXXX, XXXX. So it was authorized by me because I never wanted a Citibank credit card. Obviously me just disputing that hard inquiry through XXXX  website they never delete the hard inquiry, all they say is hard inquiries are a factual thing. I may understand due to no documents, but if I spoke with Citibank, they couldn't find that application and stuff, this hard inquiry might be a mistake? If in the dispute results show they didn't delete the inquiry then that means Citibank told me false information and XXXX  something different. I gave Citibank my social security number and every other personal information, which they have recorded lines and they all state they didn't see that application, dating XX/XX/XXXX.
Consumer complaint received 2022-11-20
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. (KS)

Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then TransUnion, XXXX and XXXX must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I noticed on my Chase Mobile app that several large ATM withdrawals were made on XX/XX/XXXX that were not authorized. I called Chase immediately on XX/XX/XXXX at XXXX to report the fraudulent withdraws and told them that my card was stolen and I was given a different individuals Chase debit card instead of mine. The closed the debit card immediately and I requested a new card to be sent. 

The transactions were made at the following locations in XXXX at Non-Chase ATM 's : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I later received a XXXX message from an individual stating that he had my card and we had realized that our cards had been swapped unknowingly by someone not associated with either of us. This individual and I have never met before. His name is XXXX XXXX ( XXXX ) XXXX. I had a police officer from XXXX XXXX, IL call me to ask about XXXX fraudulent charges on his debit card and I stated that I have never been to XXXX XXXX nor did I know where that city was located in IL. 


Below are the fraudulent withdraws from my account : NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$23.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$45.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$320.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$420.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} The total amount {$1800.00} I received a letter no XX/XX/XXXX from Chase dated XX/XX/XXXX that they closed the claim and stated that they found the transaction ( s ) was processed correctly or was authorized and that they were going to remove {$1800.00} from my account on or after XX/XX/XXXX. The last time I used this debit card was on XX/XX/XXXX at XXXX XXXX # XXXX XXXX XXXX IL XXXX for {$9.00} I have filed a police report with the XXXX Police department and below are the details : INCIDENT : DECEPTIVE PRACTICES REPORT NO : XXXX IUCR CODE : XXXX DATE/TIME OF OCCURENCE : XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2020-12-12
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. (NV)

Equifax has reinserted information on my credit report that was not investigated nor validated. As I explained in previous complaints I am not a resident of Ohio, I do not own property in Ohio, I am a Nevadian, a resident of Nevada and has been so for almost 10 years. XXXX XXXX  has been reinserted when it does not belong to me, I have sent equifax my XXXX XXXX file whom equifax gets there information from which is a third party whom is not THE ORIGINAL FURNISHER! When investigating or validation the ORIGINAL FURNISHER is the only one that can validate a account. These third party companies does not qualify for disputes. I have sent in numerous documentation meaning passport, utility bill, XXXX XXXX credit file, and method of verification letters asking for documentation and equifax refuse to send the information requested. I continuously have disputed unauthorized inquiries and accounts an equifax removes everything that I did not dispute. Equifax has removed accounts that is in fact MY accounts that I did not have on the dispute making my credit and score look horrible. This ongoing situation has to stop immediately! I have seeked legal consumer representation and I will not stand for the Pre-made letters that equifax keeps sending to my home. I have built a paper trail and I send my disputes certified for a reason so if I have to sue equifax I will have all my certified documentation. THE ONLY ACCOUNTS THAT SHOULD BE ON MY CREDIT REPORT ARE : XXXX XXXX, XXXX  XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX. I HAVE LIVED HERE SINCE XX/XX/XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NEVADA XXXX, MY JOB IS XXXX AND HAS BEEN SINCE XX/XX/XXXX AND MY OTHER JOB IS XXXX. I AM NOT A HOME OWNER NOR DO I RESIDE OHIO.
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WI)

Reported fraudulent XXXX charges, they have been working on the case for 2 months now. Didnt provide any updates, I provided all the information they needed. They now say after 2 months since I called them that they cant dispute. I filed this within the proper time span.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (RI)

We recieved an email from what looked to be Best Buy XXXX XXXX XXXX. They used these offical logos. Because we have used these companies in the past it looked to be legitimate! I call the number given XXXX XXXX XXXX XXXX and they tried to get me to log into a web site they sent me to to pay the debt that was on the invoice. I got suspicious and hung up and went do further on the computer. I called Best Buy and asked about this charge and there was no such bill issued by them. They informed me that this was definitely a scam and I was to report it.
Consumer complaint received 2022-05-01
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. 

1. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-16
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: SYNCHRONY FINANCIAL (TX)

I have a Paypal account with promotional balances. I made the standard payment which the company allocates payment to their discretion. However, I made another payment to pay off the balance of {$180.00}. The credit card company refuses to post my extra payment to my request. I have called several times and each time I am told they will look into it. It is a month now and a new payment is due. I demand my additional payment be posted to where I request it.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OR)

A collections agency, XXXX XXXX XXXX, is reporting on my credit report that I owe {$2400.00}, which includes {$730.00} in what they say is accrued interest. I sent a letter of validation to them, which I confirmed they received with USPS on XX/XX/2021 ( and will attach the tracking number ), but they have not responded to me since then. 

The XXXX period for XXXX XXXX XXXX to respond to my request for validation ended in XX/XX/2021, and they must now stop reporting this alleged debt on my credit report.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (VA)

Organization I work for has had a credit card account with American Express for over XXXX years. When the account " owner '' passed away, AMEX said we had to transfer the account to another officer or board member. I have had personal credit issues and inquired multiple times what would happen if the transfer was denied because of my personal credit. And I was told multiple times that any denial would be sent to my home address and not to someone else at my place of employment. 

AMEX sent an explanation of denial to my work so others became aware. 

I spoke with XXXX, a supervisor at XXXX, on multiple occasions in late XX/XX/2021. XXXX acknowledged I asked multiple times and was told multiple times that any of my personal financial history would not be shared with my employer. And XXXX acknowledged that it was done. 

I asked for four things to help fix the matter : 1 : send a replacement letter to my employer, telling them the letter was sent in error ; 2 : a letter to me with an apology for their acknowledged error ; 3 : a copy of the call transcripts ; 4 ; some financial recourse for the damage AMEX did to me XXXX said no to all four requests even though he said, " I agree. We made an error. '' All he told me over and over was " I'm really sorry. ''
Consumer complaint received 2022-11-20
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE