davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL (TN)

I proactively called Paypal Credit about a private party transaction before the purchase of a bicycle to make sure it qualified as a special financing transaction subject to a 0 % interest rate if paid in full within 6 months. Purchase protection was even purchased from Paypal during the transaction. When purchased, the coding was done incorrectly and the transaction was treated as a simple cash advance. When trying to rectify the situation both parties directed me to each other to fix the issue. Synchrony 's representative blamed its policy for not being willing to modify the loan even though their partner made an error. Paypal representative said it was beyond his authority and forwarded me to Synchrony. The consumer is now the one who has to either pay a large sum of money ( unexpectedly ) or pay a very high interest rate because of an error neither company is willing to rectify. I am very disappointed in both of these companies.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (PA)

I found a ATM dispute on XX/XX/XXXX of 2020 it is now XX/XX/2020 I have not been issued a provisionary credit nor have I been accommodated under the Americans with Disabilities Act the customer service is terrible as long holds low resolution of problems I was charged a {$10.00} payment fee that was not disclosed to me I am requesting that {$10.00} be returned I also requested to have a payoff figure sent to my mail to pay off the account due to discrimination
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

My problem involves a dispute with Barclays Bank. 
On XX/XX/XXXX XXXX canceled my upcoming trip to the XXXX XXXX, scheduled for XX/XX/XXXX, XXXX. XXXX waived any cancellation fees. 
On XX/XX/XXXX, I called Barclays dispute  division to file a claim. I waited a full 3.5 hours on hold, only to be transferred back into the hold line, because the representative was following a script and didnt have a proper answer for me. At this point I sent a letter to Barclays, with 12 pages of supporting documentation. I follow up with more useless phone calls, no customer service to be had. I dont know why you pay someone to not assist your customers. 
In the meantime, XXXX has credited the non-cancellable flights to our XXXX accounts, no problem, issued the same day. 
On XX/XX/XXXX, Barclays confirms dispute, yesterday, XX/XX/XXXX, I receive a letter stating that you are unable to pursue this credit because of the merchants no refund cancellation policy. I sent documentation directly from XXXX stating the cancellation fees ( {$50.00} ) had been waived. In fact I would have had until XX/XX/XXXX to cancel myself with just the {$50.00} cancelation fee. I did not cancel this trip XXXX did. 
As a matter of fact, my account on XXXX shows a credit of {$1300.00} issued XX/XX/XXXX. This has not appeared on my account, and XXXX has been answering disputes with this false claim. 
I filed a dispute for SERVICES NOT RENDERED, NOT TRIP CANCELLATION. I paid XXXX {$1300.00} for a 7 night stay in the XXXX XXXX. I have documentation that XXXX did not pay the XXXX XXXX XXXX in the XXXX XXXX. XXXX actually pays the hotel at the end of the stay. 
XXXX paused operations and told me to take the issue up with my bank. They have my money and you are refusing to assist me.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA (FL)

I have two installment payments with my Apple Card ( an XXXX and an XXXX ) and want to pay off my XXXX installment. First, while I tried to pay off the XXXX, it stated that I have to completely pay off the balance on my Apple credit card to be able to do so, which I did. 
Then, I went directly to the XXXX installment to pay the XXXX early, however, it shows the whole amount for both the XXXX and the XXXX. Since I don't have the money to pay off the XXXX and only wants to pay off the XXXX, I contacted an apple expert through the message app that they recommended. After speaking with 3 different people, they lied to me and said I have to drive back to the store where I purchased the item to pay it off there. After driving to the store, the store employees told me I have to contact Apple by phone to pay it off there. After contacting them by phone again, the person at the line walked me through several steps to pay off even though I voiced my concerns that I want the payment to be allocated to the XXXX XXXX and he assured me that he has done it before and should have no problem to pay it off. 
However when I made to payment for the XXXX, the payment instead went to the XXXX. When I asked to fix it, he told me only after that I am only able to pay the first installment and can not pay off the XXXX. when I asked for a manager, they lied to me and sent me through 3 different people and none of them were manager.

All I needed to do was just to pay off my XXXX. At this point I was beyond frustrated and angry and ask to return the XXXX and they still continue to lie to me again and again. No one should have to go through what I went through with Apple inc just to pay off a merchandise.
Consumer complaint received 2020-05-14
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. (CO)

I have sent certified letters to Transunion regarding my XXXX XXXX Account. It was paid in full XX/XX/2016 but is still being reported on my credit as an ongoing charge off for the last four years ... and still going. This is inaccurate and unfairly hurting my credit.
Consumer complaint received 2020-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

After receiving a verbal approval of creditworthiness and a {$250000.00} credit limit, I was informed by XXXX XXXX XXXX of Chase that the credit limit would be reduced by {$150000.00} because of my XXXX  's receipt of a CARES act SBA loan. 

It is extremely likely that the loan will be forgiven. This likelihood is of no interest to Chase, and they are making the assumption that the entire loan will need to be repaid by the XXXX  and deducting that amount from funds available to service the HELOC. Furthermore, Chase is only looking at the potential liability side of the XXXX  as they seek reasons to withhold credit. I want CFPB to know that Chase is erecting barriers to lending, mid-application, impeding small business owners ' access to credit at a time when all government policies are focused on availing credit to US residents.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? Equifax is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual.

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.
Consumer complaint received 2020-08-23
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: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-15
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. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than XXXX business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There are fraudulent inquiries that I did not authorize appearing on my Equifax credit report that I request be removed immediately. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report and provided the police report and identity information to Equifax and they still have not removed the inquiries. I PREVIOUSLY FILED A COMPLAINT : XXXX Equifax 's response was that a dispute process was initiated and I would hear results in 30 days. No verification was actually done by Equifax as 3 days later they mailed a form letter stating that any creditor with my information and authorization has the right to run my credit. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! 

No action was taken by Equifax to investigate and delete the fraudulent inquiries. A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Consumer complaint received 2020-05-14
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. (CA)

I contacted Experian to notify them that Bankruptcy XXXX needs to be investigated for verification because it should not be reporting on my credit report. Experian responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Experian and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Experian is willfully reporting erroneous, damaging, and unverified information on my Experian report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis.

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v.Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I spoke with this American Express on XX/XX/XXXX to cancel the credit card since i was alerted a fraudulent charge was made at XXXX XXXX, on the same date i canceled my card. I was a victim of RFID Chip reader device, i thereafter purchased RFID sleeves for all my cards in my wallet, because i was a victim of RDIF card reader, while on the XXXX XXXX to see my family. 

I filed a police report, and went to the store my self, this was not resolved despite my due diligence. XXXX XXXX, could not provide a signature for the sale or camera footage of the individual claiming their camera was off. p I worked with a detective that failed to complete the investigation. I was issued new credit cards the day this happened upon my own request, but the charge was not removed! 

Furthermore, my Mother died of XXXX during this pandemic, I alerted AMERICAN EXPRESS, of both the financial hardship and my loss, that i would make a payment as soon as possible, i have ALWAYS been in good standing since opening my accounts in XXXX. Despite my efforts to work with me, under this awful global crises, American Express breached fair debts collection acts and proceeded to harass me, both through 1 - 800 numbers, ( which i still answered and reexplained my current circumstances ) and under standard telephone numbers like XXXX. Hiding the identify of collecting debt. I pleaded to maintain the integrity of my account, until this pandemic passes- instead American Express took actions taken against me by canceling my accounts and sending me to a collections agency even though I paid as soon as I could on XXXX XXXX to get my account current!
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-05-14
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. (GA)

XXXX XXXX LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX  XXXX XXXX {$1100.00} I have enclosed a copy of the XXXX  XXXX XXXX Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

Several times, I notified XXXX XXXX about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.
Consumer complaint received 2020-05-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX# XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXXXX/XX/XXXX -- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you