davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have been charged a late fee on this card the last two months in a row from my Macy 's store credit card. ( This is not the first time this has happened within the tenure of my account with Macy 's. ) They have a due date of the XXXX of the month and in XXXX the XXXX fell on a Saturday and, because of their method of posting their payments, it wasn't posted until the XXXX. Last month, they said I did not make my payment on time. In XXXX, I set up my payment ahead of time to be made on the XXXX and, lo and behold, no payment showed up. I received a email the makes me aware my payment was not received and was assessed a late fee of {$29.00}. Imagine that ... 

To their credit, they did wavie the my XXXX payment but this is a shell game no doubt.
Consumer complaint received 2023-04-06
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. (PA)

This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report
Consumer complaint received 2024-02-22
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. (FL)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-11-17
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Credit card — Store credit 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 (PA)

I purchased a piece of furniture from XXXX XXXX stores. I have their credit card, which is through Synchrony Bank. Their policy is if you find something cheaper within 30 days of your purchase, they will honor it. XXXX did not honor it. I talked to the credit card, and they put in a dispute and an investigation. Synchrony Bank told me they would call within XXXX to 90 days or send a letter to let me know any information they XXXX have the item being less expensive. I did not hear from them. I called them to find out what was going on. They told me that they could not get XXXX to agree to honor the price. I told him I never received a letter or a phone call from Synchrony to let me know to start paying again. At that point, I started paying again on the terms that there was no interest for XXXX year. Because when I purchased the item from XXXX, there was a promotion which is stated on the first bill no interest for XXXX year if paid in full within 12 months. I paid in full at the correct timeframe. During the course of of the year I spoke to about XXXX customer service representatives from Synchrony. More than for them told me that transaction was coded wrong. Thats why they started charging me interest. I shouldve never been charged interest at all. They said they were going to code it correctly, and they never did. They have not stopped calling me for weeks now. They also put the transaction on my credit report which is completely incorrect. I dont know what to do. At this point Ive paid my bill in full at the exact time I was supposed to pay it with no interest. Otherwise I would never have purchased for furniture from XXXX if there was interest. I have purchased many things from XXXX and it was always on a promotion basis and never paid interest when buying furniture. This has been an ongoing situation, and I feel very harassed by all the phone calls, and the fact that the credit card company wont resolve this when they coded it wrong. I would just like this to be settled.
Consumer complaint received 2023-01-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I have written Caine and Weiner about a collection on my report asking them to verify this debt as mine. They have not sent back any proper paperwork showing this is mine. They sent a bill, which anyone can make up a bill and send.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

This is a formal complaint against Caine and Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine and Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been XXXX months now and I have not received any responses from XXXX  and TransUnion to my requests. I did receive a response from XXXX but not all of my issues were fixed.
Consumer complaint received 2024-02-21
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. (FL)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.It has been 30 plus days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as the are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INTRODUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

my problem is im paying toward my principle and it is not being applied. they are putting it in a unapplied holding place, i made paymennts from another bank vai check and they told me their bank can not read what the check is for. then i ask for the money back because they was puting it as a payment but there are no reductions, on the next line. they were adding instead of subtracting, then i got mad after filling numerouse complaints ask for my money that was in holdin and that was not applied, they only sent me back one moth payment, i told them the amout i was paying since XXXX but they only sent back what they want to send me. i have another complaint with them right now about holding funds and charging late payment to have a reason to take my funds, please help i think they are taking atvantage of me because i dont know how to get them to make right there wrong.
Consumer complaint received 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2021-07-19
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00}.
Consumer complaint received 2021-10-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (CO)

Today ( XX/XX/2021 ) I spoke with a woman from Williams and Fudge Inc. who was extremely rude and talking over me. I attempted to file a complaint with the company however the supervisor I spoke with initially did not follow what he had promised. The second supervisor I spoke with disregarded what I was attempting to tell him in regards to the way I had been handled and treated. I tried to resolve this issue with this company however I feel harassed and abused but their repetitive phone calls, lack of understanding and way in which they handle people.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have a Golden 1 Credit Union checking and credit card accounts. I used their mobile app to transfer {$500.00} at about XXXX on XX/XX/2021 from my Golden 1 checking account to my Golden 1 credit card. Immediately the money was deducted from my Golden 1 Checking account, but it has been 32 hours and it has not shown up on my credit card account. Their customer service tells me that it can take up to 3 business days for the funds to be available in my credit card account. This is ridiculous. I could understand maybe 24 hours, but a bank should not be able to leave funds in limbo for 3 business days. This was an internal transfer, and it should be against the law for them to do this.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

I tried for a THIRD time on using the promotional XXXX  link on another purchase and I still did not receive the correct promotional reward. Purchase amount was for {$590.00} on XX/XX/21. I had a feeling it would not apply correctly, so I took a VIDEO AS PROOF that the purchase was made correctly, following all the rules and using the correct link. 

Here is the video : XXXX XXXX XXXXXXXX There is obviously a glitch in their system that is preventing the promotion from applying, at least for me. It could be possible that other customers are affected but have not yet noticed to complain. AMEX needs to do some serious digging here, as this could be false advertising.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IL)

I received a PRE-ACTIVATED Home Depot credit card. The card was activated by others without my knowledge, consent, or authorization. In my opinion, the pre-activated card presumptuous and deceptive. The pre-activation without the card holder 's knowledge and consent poses a security threat. If I want the card activated, I will do so myself. Any benefits claimed by the card issuer to do out weigh the security risk the pre-activation creates. Is this legal?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a customer of Bank of America for many years. Recently In XX/XX/2021 I called the bank and asked them to start a claim for a withdrawl of XXXX that was taken out from XXXX XXXX. My information was stolen and compromised and they opened the claim. As soon as I found out I immmediately closed the XXXX XXXX account so no futher transactions would be made. If apparently i made these transactions why would i go through all these steps. I have used XXXX XXXX before and didnt have these problems. What is upsetting is that bank of america is denying my claim without asking for further information. By them taking out the money, I am being left with no money to pay my bills. unfortanetly i dont have that kind of money to be taken out or stolen. i need help thanks
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates continue to call trying to collect on a discharged ( bankruptcy ) credit card debt. This is harassment and needs to stop. This company is known to buy debt ( even known to be discharged and no longer owed ) and harass people until the finally give up. I have told them this is not owed and do not call. They continue to call and only care about money regardless if it is owed or legal for them to pursue. This is unacceptable and MUST STOP!
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion will not update the exact accounts as that XXXX  has. It's fraudulent activity that Transunion is not updating all the accounts on my credit profile which are current and never late. XXXX  update score by approximately 50 petcenr.with the same accounts that on Transunion. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

On XX/XX/2021, I got an alert from XXXX credit report from a company called Capio Partners LLC, as a major derogatory that I dont know of. There is also no additional information to contact this so called company to find out what is all this about, so it looks like identity theft, looking forward on getting this issue resolved as my credit dropped immensely. Thank you.