davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

I am a 20 year customer of Dell. I was never late with a payment. I thought I had paid off my computer in XXXX. I got a bill for {$4.00}. I tried to login to my account. I kept getting a message to try later. I want that worried because to my knowledge, I had not made any purchase. On Friday, I got a collection call. The guy was rude and did not explain what why I owed this money. Then, I found out that the {$4.00} charge was now {$140.00}!!! I paid it but he has wrecked my credit. My previous rating was XXXX. I am scared to see what it is now. 
I also have a Talbots  and XXXX card with Bread Financial. This is a scam. Ive never had this problem before!
Consumer complaint received 2020-11-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong person.
Consumer complaint received 2020-11-17
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

Notice to Agent is notice to principal notice to principal is notice to agent. On XX/XX/2024 you received my dispute regarding your attempt to collect a debt furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by is mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date. I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy. What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate. I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I entered into an agreement with XXXX to service my mortgage. After entering into the agreement, XXXX commenced to breach the agreement by refusing to credit timely payments to my account and instead reporting me late.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

This is my second complaint about my Apple Card by Goldman Sachs. They re reporting the correct balance on my account. They have not updated my payment since XXXX of 2023. This is hindering me from receiving a fair interest rate from a property I am I purchasing. This is against the Fair Credit Act. 
Please have them to correct this error now.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

To Whom It May Concern, I opened my regular checking account at Citibank in XX/XX/XXXX. I have never been ordering any checkbook from the bank since then. 

However, 7 forgery checks were cashed and 3 direct wire transfers of money were transferred from XXXX to XX/XX/XXXX from my regular check account without my authorization. It caused my financial loss of {$14000.00}. ( see the attachments of Citibank statements ) I understand that all banks are responsible for protecting and keeping clients ' accounts safe. If banksfind that their client 's account has problems such as forgery checksand wire transfer money being stolen, etc., the bank would either send an alert via email or contact the client by phone call. Otherwise, how does the bank know which transaction is a forgery check or a direct wire transfer without the client 's authorization? 

Fortunately, 3 forgery checks and 3 unauthorized direct wire transfers have been refunded back into my regular check account in the amount of {$7900.00} from XX/XX/XXXX to XX/XX/XXXX under the bank taking action on investigations as well as my requirement timely. ( see the attachments of forgery check transaction details ) Unfortunately, there are 4 forgery checks for {$6900.00} unrefunded back to my account so far. For this reason, I strongly request Citibank to continue taking action and investigating this issue and refunding the remaining {$6900.00} for me as soon as possible. ( see the attachment of forgery check images ) Also, attached is Citibank Affidivate. ( see attachment ) Thank CFPB for your time and help. I look forward to hearing back from you.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DIGITAL FEDERAL CREDIT UNION (GA)

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXX XXXXXXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEYRE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA froze my pay check for a week causing automatic bill payments to bounce and caused me harm of unnecessary fees. In addition, I was unable to afford basic necessities like food and gas. I had to turn to begging for money just so could feeds my kids and drive to work. The company was unsympathetic and unwilling to help me. Previously of several occasions, they would charge me overdraft fees for no reason.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CT)

They are four fraudulent inquiries thats done on my XXXX and XXXX and XXXX credit report that I need to be removed immediately!! The four fraudulent inquiries are XXXX XXXX XXXX XXXXCREDCO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these inquiries to be removed IMMEDIATELY
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

My debt was from XXXX and I asked debt collector doesn't it come off my records in 1 month because it was XX/XX/XXXX and I was told debt falls off record after 3 years the debt collector than proceeded to have bad attitude and threatened that if I didn't pay the day of that they would reset calendar for 3 more years and I want be able to get house or anything else dealing with credit because they would use this debt to affect my situation.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (LA)

I filed a complaint against CITI because they would not let me speak with anyone who could address the errors on my account until I paid the errors in full. They resolved the complaint by stating that nothing is their fault but they would remove the delinquencies and erroneous interest charges caused by their refusal to let me speak to anyone outside of the collections department. They later stated that they would not remove the delinquencies until I paid them in full ( all are still accruing interest ). Today I looked at my credit report and they have made a hard inquiry for an account that I did not request. This company maliciously complies with the law by creating barriers to resolution that are so high it is impossible to resolve any issues even after they commit to resolving them. Why I open another account with them after receiving six calls a day for XXXX months over an error they refuse to correct, and spending hours trying to rectify an error that wasn't mine.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NE)

This company is fraudulent. Ive been locked out of my account for months because they cant verify my phone number and they wont send me an affidavit no matter how many times I call. I was assuming their protocol is just XXXX but when I just tried to log into Marcus, they asked how I wanted to verify the log in and my phone number was listed as an option to receive the code!! Furthermore, why would they even let me open the account and put in money without verifying first if that was really the problem? It was fine until I tried to withdraw the money and they locked me out. It has been an enormous headache to communicate with them because they do not want to help me figure this out and wont let me talk to anyone higher up in the company.
Consumer complaint received 2024-03-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I'm a victim of identify theft. I received a bill through the mail saying I have a debt in the amount of {$1000.00} from XXXX during the month of XX/XX/XXXX. I did not make this purchase so someone is using my social security number to make this purchase. I have notified the agents from my XXXX account and the helped me enable a feature to where I will receive phone call everytime my social security number is being used. I will also be going to the XXXX  store to notify them about this purchase I did not make. I still need help finding out what else I can do about this Fraud and making sure it doesn't happen again. Thank you.
Consumer complaint received 2016-02-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ...
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates LLC Account # XXXX To whom it may concern at Portfolio Recovery Associates LLC ( Portfolio ). 



XXXX. At no time have I owed any debt to Portfolio. 

XXXX. At no time have I had any authorized accounts open with Portfolio. 

XXXX. At no time have I had any personal credit accounts with Portfolio. 

XXXX. At no time have I had any personal or business transactions with Portfolio. 

XXXX. At no time did Portfolio have a court order to collect a debt from me or to access my consumer credit report from any consumer reporting agency. 

XXXX. At no time did I consent to give Portfolio authorization to freely access and peruse my consumer credit report from any consumer reporting agency any time they want. 



Portfolio has not provided me with any documentation of proof of assignment of debt, chain of title, forward flow agreement or any documents proving they have the legal right to harass me with debt collection practices, and access to my personal consumer credit report. Portfolio has repeatedly abused having illegal access to my personal consumer credit report. 



Portfolio illegally re-aged a collection account they placed on my credit file on several occasions, the last being re-aged to XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio illegally accessed my personal consumer credit report three times, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio misrepresented to the Consumer Financial Protection Bureau ( CFPB ), via documented letters they attached to their response to my CFPB complaint, as well as several other letters they sent to me as of XX/XX/XXXX, which i have in my possession, that they were NOT attempting to collect a debt. However, through telephone communications and credit report access and reporting, it appears that Portfolio is still attempting debt collection on me. This is a direct violation of the FDCPA and FCRA. ( See attached Documents ) Portfolio did not provide me or the CFPB with any authentic proof of their ownership of XXXX XXXX debt, other than a hearsay letter dated XX/XX/XXXX, ending with the words Sincerely XXXX XXXX, in the signature area, without having a persons name, title or personal signature, confirming their personal knowledge allowing them to personally testify to this alleged sale. ( See attached Document ) At this time, I demand the Portfolio Recovery Associates , LLC remove all tradelines with their name and their account information referencing the above account immediately from all my personal consumer credit reports with all consumer reporting agencies forthwith, as they are in direct violation of FDCPA and FCRA laws.
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (LA)

I drove from XXXX XXXX Louisiana to XXXX, Georgia to register my car in Georgia. The state of Georgia requires a copy of the title from the loan company or the information on the loan that states the name of the person registered on the vehicle the sale date and the laying information. I made three phone calls to Carmax to get what I needed and they would not provide and then I went to a Carmax location in XXXX Georgia to show them what the state gave me that they requires. XXXX, the person that helped me took all of the information and got with the finance section for Carmax. They promised XXXX that they would fax over a copy of the title so that I can register my car but they still have not done that to date. It has been over three weeks now and I am still waiting in. My car is not registered at the moment. I want CarMax to provide me with a copy of the title so that I can register my car in Georgia. In addition,
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Everytime i tried using the card online, the tranactions are declined. The transactions are well below the amount on the card. I've verified the info I'm entering is correct. On Amex website, the card is active and has the correct available amount. I have not yet tried using the card in a physical store, but its also not how/where i want to use it. I will attach screenshots of my latest online attempts.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

It is incredibly difficult to manage a security freeze with Equifax. My experience is not uncommon, as a quick XXXX search reveals. The web interface unhelpfully yields, " We are temporarily unable to complete this request. Please try again later. '' Instead, I am forced to call Equifax and use the automated phone system to manage the security freeze. However, even after correctly providing the required information and answering security questions, the system unhelpfully informs you that it is unable to assist you. It suggests managing the freeze via fax, mail, and ends with an option to speak with a representative. Finally, after wasting time with the automated system, the representative is able to assist with managing the security freeze. Afterwards, the representative tries to sell me services. 

This problem does not exist with XXXX  or XXXX. I am able to easily manage security freezes online with both of those credit bureaus.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (WA)

I applied for a XXXX credit card to use for the purpose of purchasing supplies and products for my salon. Business purposes. 

I have applied on two different occasions, and both time was denied. The reason I get is that I have had previous negative history with the company. 

I have requested specific negative actions to be disclosed to me. I keep getting the same answer with absolutely no specific answer other than previous negative history with them. 

My credit report shows no late payments, or negative remarks. I have two other credit accounts with the same company, which also has absolutely no negative actions. 

I only want to know what negative history they are showing to deny my credit application. Maybe my credit has been compromised? Although there is nothing out of the ordinary in either of my credit reports.
Consumer complaint received 2020-07-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.