davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020 I applied for a credit card from Synchrony Bank in response to an in store promotion at XXXX XXXX XXXX promising a 20 % discount if I applied for and used the Synchrony card. I applied in connection with a {$4500.00} purchase, but was granted only a {$1500.00} credit line, preventing me from receiving the 20 % credit on {$3000.00} ( {$600.00} ) and also forcing me to use other funds to cover the {$3000.00} credit shortfall. 

I immediately requested Synchrony reconsider its initial decision, but was declined because the Synchrony account had no history. OF COURSE IT DIDNT, IT HAD JUST BEEN OPENED. My request to reconsider was treated as request for a new increase, which ignored the fact the INITIAL decision was wrong. 

I subsequently filed a complaint with the XXXX XXXX XXXX, but Synchrony maintained that its denial of a request for an increase was proper, ignoring that I was asking for a reconsideration of the initial request. 

I believe the treatment as a request for an increase was improper. 

I further believe the initial denial was discriminatory against seniors ( I am over XXXX ), failed to adequately consider the receipt of federal benefits ( social security ). Further, I believe their underwriting practices are biased or flawed by failing to properly consider credit history as this decision resulted in a low credit line despite a 40 year sterling credit history, FICO  over 800, low credit usage ( less than 3 % of available credit ), history of paying balances in full each month, small mortgage and car loan balances, and six figure income. While the car loan and mortgage were recent ( we just retired ) our on time handling of these items, the low payment amounts relative to annual income, and our 40 year history of ontime and satisfactory payment of multiple mortgages and car loans should have addressed any concerns. Moreover the recent nature of those two items was already reflected in my FICO score, which as I noted remains over 800 ( excellent ) I asked for a larger limit as part of the original application and was denied. I asked for reconsideration and was denied. I was forced to use other funding to complete the purchase. I lost XXXX  in store credit due to the lenders illegal, biased, irrational decision that the lender claims was proper and in accordance with its policies. 

I believe their policies and treatment of my application are violative of the ECOA, FCRA, and XXXX, and should be investigated. Further I request the payment of my lost ph {$600.00} store credit. 

I fear that other retired seniors who receive social security are being harmed by this creditors practices, that the policies must be changed, and that the lender should sanctioned for its violations and enjoined from continuing these practices.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I went to XXXX XXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian is the organization. 

I have my account frozen. 

However, they reject my login when I try to log in. 

When I go through the steps they provide to recover my account ( I give them my date of birth and SS # ) the prompt that is returned says that 'it didn't match '. 

So I followed their instructions to do this by mail I sent them a copy of my Drivers License and recent bank statement via snail mail on XX/XX/2022. 

I have not heard back from them. 

I can not unfreeze the account so I am their financial hostage. 

If there was a way to get a hold of a human being from Experian this would not be an issue.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

I received a deposit and ChimeXXXX XXXX never sent it. They have a policy that they send it immediately or 2 days in advance. I have proof they received it and delayed it intentionally trying to steal it or a percentage of it
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (VA)

They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number. 
Ive reached out to XXXX XXXX multiple times through phone and emails and have not received a response either.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & TransUnion multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} XXXX shows : {$0.00} TransUnion shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX TransUnion violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified TransUnion and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX TransUnion Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON XX/XX/XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

An identity report and police report was submitted to the credit bureaus and CFPB to dispute fraudulent accounts on my credit reports including XXXX XXXX XXXX numerous times. ALL accounts have been investigated and remove with the exception of XXXX XXXX XXXX. Can you please assist with removing this account from my credit report.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

I learned that my information was sent to a collection agency from COMENITYCB/XXXX while I was out on military leave. 
I have been trying to get a hold of " XXXX XXXX XXXX  '' to request them to send me verifiable information to prove that this account belongs to me. I have called ComenityCB/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " XXXX XXXX '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible
Consumer complaint received 2022-07-25
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica (MI)

Comerica Webbanking service has said it is Undergoing Maintenance since I attempted to use it around XXXX XX/XX/XXXX and is still down as of XXXX XX/XX/XXXX. They have provided no update as to when we can expect to gain access again, what the reason/cause is, and if this was planned or unplanned. 

All customers seem to be affected from the numerous users reporting the same issue on XXXX. Comerica put a XXXX XXXX post XX/XX/XXXX on XXXX, with no mention of the problem and has failed to respond to the numerous replies on their post complaining about it. There is nothing on there site or any information available on this anywhere. 

In addition, calling their phone line to check balance yields the same result, saying balances are unavailable. Nearly everyone in the country has a majority of the bill payments and scheduled withdrawals around the XXXX and XXXX of every month. It is now the XXXX and I have had no access or availability to my current funds to know if I have the balance needed to cover for these scheduled payments. 

As someone who makes several daily withdrawals and deposits of all sizes, with several bank accounts that I transfer funds between. This issue could easily put me into overdraft or into loop of reversals adding up to hundreds of fees. This is affecting me critically and lack of information from Comerica has been totally irresponsible and damaging.
Consumer complaint received 2022-08-21
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. (MD)

Someone changed my address to XXXX XXXX XXXX. XXXX sent from XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX showed a purchase of car which I did not.
Consumer complaint received 2022-12-09
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: Grant Mercantile Agency (IN)

15 USC 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 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I have a promotional balance on the JCPenney credit card. I always call to pay that non promotional first, so I will not get charged with the interest and then pay the minimum for the promotional amount and now they remove half of my promotional amount and charge me interest by law in California they supposed to get the non-promotional payment first and then the rest goes to the promotional and they dont do that so they could charge me interest. I called like 3 or 4 times to the credit card and they havent fix it and theyre charging me interest.
Consumer complaint received 2022-07-25
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2021-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

on XX/XX/XXXX, I called Security Credit Services to find out about a debt in my name in the amount of {$2100.00}. After not being able to find me using my social security number they used the lookup by name. I was then told that the last four of the soc on file was incorrect which proved my point that the debt was not mine. I was then transferred to another company called XXXX XXXX and they also could not find me under my correct soc but could find me under the incorrect one. They said they would initiate a fraud investigation which I have yet to hear anything about. I also filed a dispute with XXXX and XXXX and found out from equifax that the debt was validated but they could not give me the information that was used to validate the debt. This is not my debt and was a online purchase done during a pandemic that can't be validated to me.
Consumer complaint received 2020-12-03
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: CITIBANK, N.A. (GA)

In or around XXXX of 2020, I disputed a charge in the amount of {$200.00} from XXXX  XXXX XXXX XXXX  with Citi as a result of the merchant refusing to accept the return of a product that they sold to me incorrectly. Apparently, the representative that I spoke with did not initiate the dispute ( which I believe was a direct result of a language barrier ) and I had to refile the dispute which was out of the dispute timeframe. As a result, Citi did not conduct the dispute accordingly.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CO)

I initiated a wire transfer from my XXXX account on XX/XX/XXXX for {$24000.00} to be sent to MY personal bank account in XXXX XXXX XXXX XXXX at XXXX XXXX. The money has since been held by the intermediary ( Citibank ). After an initial complaint, Citibank did return the funds to XXXX XXXX XXXX ( the XXXX XXXX XXXX XXXX for wire transfers ) on XX/XX/XXXX ; however, I was informed in writing that XXXX inadvertently returned the funds to Citibank on XX/XX/XXXX, instead of returning to my XXXX account. Citibank has held the funds since that time, even though they know the funds do not belong to them. They now refuse to investigate and return the funds through XXXX XXXX XXXX back to my XXXX account. I also spoke with XXXX Executive Office team ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XXXX. She claims that XXXX has sent at least 2 requests to Citibank in XXXX and in XXXX to recall the funds, but Citibank has not responded. I have had numerous telephone calls with Citibank " Executive Response Team '' over the past 3 weeks ( XXXX XXXX and XXXX ) but they have been unhelpful. I also sent several emails to Citibank " Executive Response Team '' with documents, but have not received any reply. At this point it appears Citibank is aware the funds do not belong to them, but refuse to return the funds as requested. Numerous phone calls and emails to them have been met with excuses and inaction. I've attached the relevant documents outlining the flow of the funds, and documenting that the funds are still with Citibank.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In XX/XX/2019, I applied for a Capital One Quicksilver. The website ran an advertisement that " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' ( See https : //www.capitalone.com/credit-cards/quicksilver/ ) To get the bonus I purchased something that I do not need that time only to get bonus. I am an international student in the United States and this is not easy for me. 

However, I did not receive any bonus. When I phoned them, the customer service agent told me that I do not quality for this. When I asked why I do not qualify, they told me that we can not give any explanation but you do not qualify. 

Also, the advertisement told me that I will get 0 % Introduction APR for the first 12 months on purchase but they have been charging me interest for the last few months. When I asked the customer care agent and they told me that I do not qualify for this promotion and they did not give any explanation.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

This is in response to the initial complaint that was improperly closed. 


This is not accurate. Ive never indicated that Ive never done business with XXXX XXXX and if thats a question please pull the actually call. Its clear that I have in the past based on my bank statements. Initially I did think that those transactions were unauthorized because the name on XXXX XXXX was not recognized. After I investigated them, I realized that some the charges were valid, just not the duplicates so I called and indicated such. As I stated several times, Im unable to login to XXXX XXXX as my account was closed. Again if there is a question there pull the call logs and things will become clear. If you were doing your job and disputed the charges requested, you would quickly see that the charges are actually in fact duplicates! Providing my XXXX XXXX statement should not be relevant as duplicate charges were not authorize and neither were any of those XXXX XXXX charges that I asked you to dispute as those were completely unauthorized. Again, Im asking you dispute the charges. Why dont you do that and see what happens instead of asking me to provide Info that I unable to. I mean seriously If Im saying XXXX XXXX wasnt authorized then whar on earth can I provide for you to prove that? The burden of proof should not be mine it should be the unauthorized charges. Thats the {$2500.00} that you reference. XXXX did mention that she needed cash app history but i mentioned that I dont have access to that. Why cant you just do what a bank is supposed to do and not question my intentions and integrity a consumer?!? Ive been with BBT for a number of years and applauded with the abysmal service that Ive received by the institution.

To be frank, I am in process of switching all of my banking products from BB & T as the level of service is getting progressively worse. Why is this request such a problem? At this point I'm considering litigation regarding this matter because this is unacceptable that you wont even investigate. This is ridiculous when all you have to do is initiate the dispute.