davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I signed up to buy an XXXX through XXXX 's website. The only option to buy the XXXX, was by using a Citizen 's loan to finance the XXXX, with no discounts. I bought the XXXX  by putting my credit card information in at the time of purchase. 

I did not hear anything for 3 months, and assumed that my credit card would be billed as normally happens with any online purchase. 

Three months later I received a notification from my bank that my credit score had dropped 100 points, from perfect at XXXX down to under XXXX. I then researched what could be the problem, which turned out to be a loan from Citizens. I went through my emails and found no emails from Citizens except for one at the time of purchase that asked if I'd like to add my credit card to their information data base for ease - it expressly did not say that it was required. I don't like to send my credit card information out without a real reason, so I had decided not to do that at the time. 

I then called Citizens and was ultimately directed to billing, who notified me on a recorded line that I had not been contacted about my late bill, either by phone or by email, and also noted that this was not normal - others had been contacted 7+ times. I then asked if I could pay my bill and if Citizens would return my credit to normal, as this seemed like a mistake on their part, and something I was willing to resolve quickly, as there had obviously been an operational issue on their side, and I didn't want my credit hurt ( I'm trying to buy my mom a house ). Citizens refused the offer and demanded that I pay immediately or they would send my account to collections ( where it apparently already was ). I ended up paying XX/XX/24 months of the " loan '' with all of the interest ( " fees '' as they call it ), hoping this would get Citizens to help me on my credit score. I then attempted to put my credit card and then debit card into their website about 10 times ( I use both still, they work ), and had one instance where it looked like it went through, so I could be automatically billed. 

Apparently their website didn't work again, and they are threatening my credit again, and are now calling me on what seems to be a daily basis, despite my balance over the next two years being 90 % paid. I have spoken to them multiple times and they refuse to 1 ) fix their website, 2 ) fix my credit, 3 ) are knowingly harassing me. 

1 ) They have called me and claim they don't know who they are calling or why. 
2 ) Have attempted to state that I am calling them when they have called me. 
3 ) Continue to hold my credit score hostage over XXXX {$100.00}. 
4 ) In holding my credit hostage and trying to force me to prepay 2 years ahead of time, are in effect charging me a usurious rate of interest ( 10 % /year over two years is what the fees equate to, which I have now paid in ~6 months, resulting in an interest rate of >40 % ).

4 ) Refuse to help amend my credit score.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Opened Venmo account XX/XX/XXXX. 
My brother transferred {$1100.00} into said account. On Monday XX/XX/XXXX my bank account was verified, hours later my account was frozen for failure to abide by terms and agreements, when I call customer service they have no answers.. on XX/XX/XXXX I got an email requesting my bank statement, it has been 21 days now and I havent gotten my money yet. I am stressed financially and was borrowing this money to begin with.. now I feel I have put precious information out on the web because of this app
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (VA)

I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of XXXX XXXX XXXX. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (PA)

I have a business account with this XXXX XXXX branch of First Niagara Bank. I am the sole proprietor of this business. 
I am the only person that has authorization to sign checks from this account. As per my signature card form. 
My husband and I have recently separated. He was made to leave the home and in the process of moving he located some checks in regards to the business account and took them to a teller and they cashed the checks. ( {$2600.00} ) He had never signed or cash checks in the past. He signed his name on the checks and provided his ID. Although, he is not an authorized signer on that account. 
I received a letter from their investigating team saying they are not liable for any forged funds on my account. The perpetrator did n't forge my name he signed some forms of his name. 
The branch advised if I filed a police report they would refund my funds immediately. Although XXXX XXXX Investigations Analyst XXXX XXXX advise I should have better control over where I leave my personal items and said I could not retain my funds from the bank. 
I have since had to closed that account for fear of the same thing happening again. 
I was always under the impression signature cards were an authorization for signing checks. Please help me understand his decision.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of institutions below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Agencies 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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.
Consumer complaint received 2021-06-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (TX)

I have been contacted but someone stating they are trying to service me and if I dont accept the service they will contact my work. I have asked what it is about and they will not provide details. They give me a phone number to an attorneys office and ask to provide case id. When I call they ask for details about me other than the case number and threaten to send details to my job. I have also received an email stating that someone is trying to collect for speedy cash. I have attached the email
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (PA)

I tried to upload another copy of my legal name change from XXXX XXXX XXXX XXXX XXXX XXXX several times to Experian and the copies did not go through. I need to have my prior name of XXXX XXXX XXXX added as an AKA XXXX XXXX XXXX, so that my years of prior credit history will show on my credit file. They did correct some of the issues on my previous complaint, but didn't correct this issue of adding the XXXX XXXX XXXX XXXX. XXXX and XXXX made the proper changes and are showing my extensive prior credit history, but Experian has failed to correct this issue for many years. I'm attaching a copy of the Name Change documents and I'm requesting that Experian add the AKA XXXX XXXX XXXX to my credit file. Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (VA)

Equifax are reporting different information and the credit scores are always extremely lower than the other two agencies. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, Equifax is reporting my actual monthly payments that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it.

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )
Consumer complaint received 2015-03-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I received a letter from Portfolio Recovery Associates LLC today on XXXX XXXX XXXX about a debt they purchased in XXXX. I paid the amount owed back in XXXX to clear the debt. The other problem is that had I not paid the debt is that the statute of limitations ran out in XXXX. 
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (LA)

I have contacted PayPal countless times and they constantly give me a different answer. They wont release funds to me that was supposedly already released. Then they put a hold on transfers which caused nsf fees I have been hurt financially by this situation. I would like my nsf fees paid back and fees for distress
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I placed an order with XXXX on XX/XX/XXXX using a ghost card with XXXX. I made 3 out of 4 of the payments for the order and hadnt received the product so XXXX paused my last order to give me time to figure out the situation with the company. I tried to call and email the company several times & was not able to leave a message due to the mailbox being full. XXXX advised me that they couldnt contact the merchant either so I would have to file a dispute with my bank. Attached is my affidavit I submitted to the bank as well as the order confirmation and the phone number for the company. I finally got in touch with the company in XXXX and was advised that the owner had passed away in XXXX and the family closed the company and can not fulfill or refund any orders. I have attached the order reference number from XXXX as well. Their phone number is XXXX. 

My bank has advised that they closed my dispute due to not receiving requested information however, the last communication received was on XX/XX/XXXX and I sent the requested information the same day which was verified as received. They advised me on XX/XX/XXXX that they can not reopen the dispute which left me no choice other than to report them here.
Consumer complaint received 2020-07-07
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. (TX)

FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (FL)

XXXX XXXX  XX/XX/2021 was told that I did not give permission to my boyfriend to close account and they noted that they did not talk to him after he had in fact talked to a lady for over 30 mins. The man was very rude and would not hear me out to validate and transferred me to XXXX and she said there was three card numbers and I do not have one card. I told them to close account numerous times and they refuse. They said they mailed a new card and I never received it! Then she said a letter was mailed XX/XX/XXXX explaining why charges were on the card for XXXX to XXXX. The letter will have more info than she could give me, she stated! Also was the first to tell me there was a credit on another card for XXXX and could not tell me how I would get the credit back and said another card had a balance of XXXX to XXXX XXXX and I disputed that did not do. Then she told me she would have to transfer me back to customer service where they were rude. I told her again I wanted account closed. Then she said the customer service would have to do it, but they had already had told me that they could not do it and that is why they transferred me. She then put me on hold to await for transfer. I have been trying to close this account since the fraud activity happened early XXXX. They were supposed to get back to me from 30-60 days from that and that time has come and gone. I do not understand why this is taking so long. I feel like they are a fraud company, and was suggested by them from XXXX  to build my credit after identity theft is the only reason I did it and had to pay XXXX for a XXXX credit line which is ridiculous! I want my money back from that as well. Plus, you have to pay online and there is two fees just to pay them money one is XXXX and the other is XXXX. I would advise people to clearly stay away from this company. I want this solved ASAP! I am tired of being put on hold, and transferred for over an hour now. I can not do anything else but this and my day is already full and I am very sick with XXXX and I do not need any stress according to my doctor, but it seems there is no getting away from it! I am sending this forward without talking to customer service again. I will update if and when I actually get to talk to someone. I have been on the phone since XXXX XXXX this XXXX  with all kind of phone calls and problems from health to trying to work of which I can not do effectively. I keep getting interrupted from collection agencies. Finally, someone else to talk to! XXXX answered and she said she was sorry and she said will process closure of account! I would not get money back for 10 weeks! I would have to fax to expedited and would not give me the card number of card but I could use SSN. I requested validation of closure id number. XXXX. She hung up on me before the conversation ended and I was requesting documentation of all this via email. Not sure she heard me! I still want it in writing.
Consumer complaint received 2023-05-23
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> High Credit : XXXX XXXX 15 US 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in XXXX! Under 15, US 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 INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi my name is XXXX XXXX. Fraud was done in my account in XXXX of last year for {$3000.00}. I reported that I lost my case with my license and bank card in it to bank of America. They credit my account the money back until they investigate it. XX/XX/XXXX the too it back without even letting me know anything and took all my money out my account. I lost my job so that includes my paid pto time, vacation time, and my pay check I just got paid. I called bank of America to ask why they did it and they told me because the person had my address, and my name. I told them that's what was in my case. Since then they said they would reopen it and check everything again and it will take 60 days to do so. I told them they took all my bills money and everything I am behind in everything. All they say is they can't do anything about it. 2 weeks later or more I checked my account online and it said congratulations the funds will be paid to me. I looked and nothing never showed up. I keep calling and they said they still refused to pay it. Every since then the case been open and closed 3 times and they refused to pay me my money except for {$5.00}. I asked why send me {$5.00} dollars and don't send me the other? And they said it's alot more it takes longer. I been calling and wrote a letter and still nothing. They have made all my bills behind, car about to be repo, marriage issues and everything. They have made my life a living XXXX!!! I need help and fast as possible to get my money back. Also I been Seeing bank of America on the news. I been trying to get channel XXXX news involved for the time being also to see what they can do also. So if yall can do something I will appreciate it. Thank u!!
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank decreased my credit limit on my credit card from {$8000.00} to {$520.00} without any Adverse Action Notification or any notification at all. The decrease in the credit limit has adversely impacted my XXXX XXXX.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX is reporting inaccurate information on my credit reports. On Equifax, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.