davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (NY)

I received collections notices from them for charges that were fraudulent and not mine. Back on XX/XX/2022 I was a victim of identity theft. Someone Hacked into my email and my bank account, as far as I know no other accounts as of yet just those two and they made each transactions payments to XXXX XXXX. They used my information name, address and bank account to make these act payments. I immediately let my bank know via phone as soon as I saw the compromised activity, they immediately blocked the payments and did not pay out. I had to then go to branch and open new accounts and they suspend the other accounts to prevent more fraud and protect my money. I thought it was solved once I did that back in XX/XX/2022. I then received yesterday 6 notices with my apartment missing so it got to me late from TRS Recovery services, letting me know that I owe all this money for lyft. The letter states I can call, mail or fax or process a fraud dispute online. So I called them, spoke to several representatives that let me know I can process the dispute online. I went online and the site was asking for my social, date of birth and drivers license. I don't know why that was necessary. I told them I would fax my information over with proof from the bank that it was fraud charge and not paid. I explained over the phone to them I was doing this and said it would take 30 days. This incident happened on XX/XX/2022 and the letter was send out on XX/XX/2022 to the wrong address missing my apartment number so I didn't receive it. Explaining over the phone it was not me and I had bank proof wasn't enough they wanted me fax or mail. I feel they seemed very XXXX  and I'm worried by me faxing this information to them, my information will be compromised some more, so I limited the information that was sent and sent them the fraud form they provided and had it notarized with my bank statement. I want them to please stop harassing me I had sent everything they needed and I also wanted to make sure they are a legit company. I also tried making police report but they stated since my bank never paid they can't do a police report because I lost no money and I changed my bank account and login bank information they told me the bank statement and letter from bank was enough.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I opened an account with Synchrony Bank in early XXXX. My original credit limit was for {$2000.00}. I have paid have paid over {$2000.00} since XX/XX/2020 and still owe {$1800.00}. Synchrony Bank failed to disclose their XXXX, monthly interest rates, and other fees.
Consumer complaint received 2022-09-30
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: BARCLAYS BANK DELAWARE (PA)

Barclay XXXX XXXX is charging for purchases that i did not make or agree too. They have also contacted the Credit Reporting Companies and Lowered my Credit Rating, which is very Injurious to my Financial Ability
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (MD)

On XX/XX/2022 I went on Drive time website for a free pre-approval on a car loan. I filled out the information they ask for a social security number to verify who I was I gave it to them but this pre-approval was without a credit check on XX/XX/XXXX I received an alert on my credit stating that they ran my credit I never gave them permission to do this and when I called and asked about it they said if I gave them my social security number then that's why they ran the credit but where the information was it specifically says this is not for a credit check this is verification of your identity now I have had my credit hit and they don't want to do anything about it it was fraudulently ran and I don't know what to do now
Consumer complaint received 2022-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax has discriminated me and continues to mishandle my credit file. I have requested a call back from a Manger of the office of consumer affairs for over a year now regarding the mishandling and treatment of my credit file. Every agent I spoke to say they are the highest point of escluation however they will send and internal message to management. 

Equifax has restricted my simple ability to dispute inaccuracies online which is afforded to every consumer and has now restricted my ability to dispute inaccurate information via phone. I've been hung up on and talked to rudely and not given service from Equifax 's agents in general customer service and the office of consumer affair 's. 

What should be a simple dispute online or phone now takes hours to get one person on the phone. The mishandling of my credit has caused a tremendous amount of stress and strain on my family and has financially impacted us as a result of Equifax 's continued negligence. 

The only reason I've dealt with fraud in the recent years comes from Equifax data breech of my personal information being compromised and as a result Equifax has punished and discriminated me for it's mistake.
Consumer complaint received 2022-08-24
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I signed up for a PayPal account back in XX/XX/XXXX/XX/XX/XXXX and somehow they gave me a {$500.00} credit line. I did n't want this line of credit, I did n't need it, I did n't ask for it or could I afford to pay another bill. I thought all the purchases were going to my credit card. When I got a bill I was unsure what it was ... because I did n't sign up for anything, I just thought it was a statement. Then I learned it was a credit line/bill I immediately called to have it transferred to my card which they would not let me do. I have emailed and emailed, called & called ... with no help from them. They added all sorts of ridiculous fees. I have taken time from work, have received calls from collections and too other many headaches to mention and now I am fed up. I saw where they have an action against them now and I have proof they were shady ... how can I go about getting fees back, compensation for time and effort/headache and restore my credit? PLEASE HELP ME AND INCLUDE ME! I can provide emails, statements & maybe pull a call log via XXXX, if that 's possible. I even tried calling them today and they claim they ca n't find me ever having an account. They refused to transfer me to anyone above the call center.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (LA)

XXXX Received Notification that account was being closed for reasons of : [ 1 ] Lack of XXXX XXXX Account Information [ 2 ] Not enough balance paid down over time on retail accounts [ 3 ] Too many inquiries XX/XX/22 - Requested Fraud alert be placed on my account. -- -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE XX/XX/22 Request denied does not meet .their definition of fraud XXXX to account manager, XXXX who states that all info was obtained from the soft pull from XXXX for my credit worthiness decision. 

Note : -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE. 
I have a credit freeze on ALL credit bureaus My credit profile must be opened for credit information to be released [ hard or soft ]
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

Company : Chase Bank XXXX XXXX, 2021 Received an unauthorized purchase on my debit card ( ending in XXXX ), XXXX XXXX. Chase removed the transaction and sent me a new debit card ( ending in XXXX ). 

XXXX XXXX, 2021 XXXX XXXX charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  charged {$49.00} card ending in ( XXXX ) XXXX  charged {$49.00} card ending in ( XXXX ) XX/XX/2021 XXXX  Pending charge {$27.00} card ending in ( XXXX ) Card ending in ( XXXX ) has not been activated by me yet. It is extremely concerning that an un-activated card can be used by fraudulent persons. It also concerning that Chase does not document contacts on fraudulent charge matters. For financial reporting issues these are huge red flags. 

Contacted Chase to remove fraudulent charges on Checking account. XXXX at Chase said he would facilitate removing the charges from my account. Was told by Chase that since it was in a fraudulent individuals digital wallet there was nothing I could do to resolve it. Chase is the entity responsible for resolving the situation. I was on the line with Chase fraud services for XXXX minutes. 

XX/XX/2021 XXXX charge for {$27.00} accepted in my checking account. 

Contacted Chase fraud ( XXXX ) to inquire why I still have XXXX fraudulent XXXX  charges on my Checking account. Told by Chase that they have no record of past conversations of me reporting the fraud. Support rep told me that this fraud is handled by another department and I would need to contact them. Support rep transferred me to senior lead in the fraud department. None of my issues have been resolved. 

27 days is too long to for fraudulent charges to continue. 

There are significant financial control issues being violated here. I can't use debit card ( XXXX ) because it hasn't been 'activated ' yet. A fraudulent user who allegedly put my prior card ( XXXX ) in their 'digital wallet ', had the digital wallet send them my new XXXXunactivated ' debit card ( XXXX ), and the fraudulent individual is free to use debit card ( XXXX ). Who designs a financial system that operates in this manner, and doesn't empower employees to resolve issues?? 

Chase won't remove the XXXX charges from my checking account. 

Thanks, XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX, I purchased at BestBuys an item for {$1600.00} with no interest for 24 months. On XX/XX/XXXX, this free interest expired. On XX/XX/XXXX, I realized something was wrong because my current balance which is also for purchases I made with no interest was approximately {$1000.00} more than I expected/calculated. I called the credit card company and they explained that on XX/XX/XXXX when the 24 month interest was due on the purchased back in XXXX, and payment was short by {$1.00} and therefore, the accrued interest in the amount of {$1000.00} was applied. I was shocked! as this was not what I expected. I had made all my payments on time, never late and continued making my payments on time and for more to avoid the interest. I was told that they give 20 days grace period to review and request a waiver. That it was to late to even try to request that waive. I had not idea. I thought I had calculated and set my payment to be automatically paid from my checking account. They most had continued receiving payments every 15 days, so they should had received about 15 days later a payment for {$65.00}, and another {$65.00} 15 days later after that, and so on, until XX/XX/XXXX when I paid a larger amount to avoid paying late the next no interest purchase I had made and was due on XX/XX/XXXX. I unfortunately did not pay attention to the interest accrued that was applied back in XX/XX/XXXX. On XX/XX/XXXX looking into my bank statement and making sure my payments were made is when I realized what had happened. I immediately contacted the credit card and pleaded to have those removed as I thought {$1000.00} in interest was unreasonable just because of {$1.00} short in payment for XX/XX/XXXX. They just continued saying how sorry they were but there was nothing they could do and that was that!. I asked to speak with supervisor and they put me on hold just to tell me that they will put in complaint but there may not be a response from them. Also, I am realizing now that I have been charged interest at 29 % on the interest that was accrued. I need help, please!!
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/22, I was a victim of identity theft / wire fraud through Citibank. They seem to neglect the fact that I didn't fall victim to a scam, I didn't authorize it whatsoever. I was part of a data breach through XXXX, and a hacker was able to get my identity by stealing the ID # on my XXXX Card. No matter how this happened it was never authorized by ME. They used a burner phone to get ahold of my phone internally. During the process I lost service, so no one could contact me at all, and I had no idea what was occurring. What did occur was that Citibank didn't lock my account, and instead they let a hacker wire out {$26000.00} of my hard earned savings. My account was completely protected through XXXX factor authentication, and still somehow Citibank refuses to give me back my hard earned {$26000.00} even though they're required to through the FDIC. They seem to think that I'll just say goodbye to my money, and that they'll get away with this. I've received now XXXX denial letters ( all with different / bogus reasons as to why I don't deserve MY money back ). I now will be serving them with a lawyer, and won't stop until I have this money back. 

How can you blame a victim of this occurring? I didn't fall victim to a scam, and I didn't fall victim to ever authorizing a hacker to wiring {$26000.00} out of my savings. Citibank doesn't like the fact that I've brought attention to the news with this, but what do you expect? This is mentally and physically draining, but I won't stop after I have my money back. XXXX months now and all I've received is denials and lies. 

Keep in mind that I didn't fall to a scam, I didn't click anything, and no matter how this occurred Citibank is required to give me my hard earned money back.
Consumer complaint received 2022-05-20
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # 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 2021-12-22
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)

My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.
Consumer complaint received 2022-05-20
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: I.C. System, Inc. (SC)

In accordance with the fair credit Reporting ace XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-20
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. (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

This is my XXXX attempt to correct this matter with Wells Fargo. I have spoken to Executive Office Managers, Customer Service managers and still the matter is not being resolved and now every right I have under the FCRA is being violated by Wells Fargo. 
***** The 30 Day last posting to my personal credit report for XX/XX/2022 is INCORRECT and at this time is it demanded that this be removed in swift fashion as Wells Fargo has now taken more than 90 days with incorrect investigations that have been conducted poorly with no resolution. 

It is very simple. The person ( s ) reviewing are using the payment due date instead of the billing cycle date. BILLING CYCLE is reported to the credit agencies. Not payment Due Date. If the person reviewing this new complaint will see that payment was received before the 30th day. I have reviewed this with Customer Service who also has noted payment for XX/XX/2022 was received before the 30th day of the billing cycle and therefore the 30 day late mark on my credit report is incorrect. But the Executive office reviewers are ignoring it. 

****** Attached will be two calendars that COUNT each day. From the payment date and the billing date. For XXXX and XX/XX/2022. PLEASE. Count the days. It is a very easy process to correct this matter. 

****** I have been assigned a New Wells Fargo Case # in my recent call to the Wells Fargo XXXX  XXXX. Case # XXXX
Consumer complaint received 2022-08-24
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts as they are not mines due to identity fraud. 1. XXXX XXXX account # XXXX 2. XXXXXXXX XXXX  account # XXXX 3. XXXXXXXX XXXX  account # XXXX 4. XXXXXXXX XXXX  account # XXXX 5. XXXX XXXX XXXX account # XXXX 6. Account # XXXX 7. XXXX XXXX XXXX account # XXXX 8. XXXX XXXX XXXX Account # XXXX 9. XXXX XXXX account # XXXX
Consumer complaint received 2022-05-20
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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