davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

I need to escalate this issue to you because its been a month since I made an international wire transfer for {$5000.00} US Dollars through Citibank online system and the money was not sent nor received but it was deducted from my account. 

I did the transfer because I just had a XXXX XXXX 5 months ago and need to send money to my daughters. It was from my checking account that I have for more than 25 years to another account under my name I have in XXXX XXXX  in XXXX. 

I know is an internal problem in Citi because of their NEW PRODUCT to send in local currency. I made the same wire transfer to the same account and the same bank on XXXX for {$3000.00} there was no problem at that time. 

Then on XXXX, I did the wire subject of this complain for {$5000.00} US Dollars. Citibank offered a NEW product with no commission online if it was sent in pesos, I agreed because I wanted to save money. It was made exactly to the same bank and the same account of the previous transfer I would never imagine the nightmare and that it was going to be even more costly because I can not use my {$5000.00} here or there for more than a month!!. 

After several calls to the international wire transfer customer service XXXX ( waiting more than an hour on each call ), they stated that my bank in XXXX did not accept the transfer. I spoke with the CEO of that bank in XXXX and they said they can not receive it because Citi sent it to another account in XXXX, a subsidiary of Citi in XXXX. 

After trying to solve the issue over different instances with no success they offered me the refund. I accepted the refund and they promised to do whitin a week. Its been now ONE MONTH and I do not have access to my money. 

I request the immediate refund of {$5000.00} ( XXXX XXXX DOLLARS XXXX  ) which is the money they subtracted from my account. I should not be penalized for their internal problems in accounts and promises they can not fulfill. 

I need the entire amount and no lees than {$5000.00} dollars because any costs for unsuccessful exchange rates are not my fault but their incapacity to fulfill the products their offer. 

As you can probably imagine the trouble that is to live over a XXXX XXXX I urgently need my money back. After 25 years of being a customer now I seriously question the ability of Citi to solve customer issues.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NH)

Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX  XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX  prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 

We apologize for the delay in our response. Your inquiry is important to us. 

I hope that this message finds you well. 



Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days.

We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX  Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks XXXX
Consumer complaint received 2023-04-21
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. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

XXXX and Equifax said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (FL)

The charge of ( {$5600.00} ) needs to be paid through my medical insurance. I contacted Professional Finance ( XXXX ) about the charge. I was told to contact the original creditor. I contacted XXXX XXXX XXXX XXXX they told me to contact the debt collector. I called back and was told it was it would remain in collection. 
I asked for the account # XXXX & date of service XX/XX/2018. I contacted my insurance about the incorrect charge on my credit. The charge was initially removed and the financial company placed it back and said it would continue being placed back on and ruining my credit until I pay the full amount and interest would continue to grow and each interest would and is going to drop my credit score.
Consumer complaint received 2022-12-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP (GA)

I am filing complaint as I found inaccurate information REPUBLIC FINANCE account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WA)

I took my car to be repaired at XXXX XXXX XXXX Im XXXX, WA. Payment arrangements were discussed and I completed a prequalification for easy pay financial arrangements with zero interest for 6 months. I did not apply or sign my name to any kind of a credit application. When the employee could not get authorization on my checking account number, he apparently applied for a Synchrony credit card to pay for car repairs without my permission. He denied that it was a credit card and insisted it was an easy pay with zero interest card, as discussed. He also insisted that the easy pay arrangement would not affect my credit score and was not a hard inquiry or an actual credit card. I discovered later that day that I had a hard inquiry on my credit report and a new account, based on a credit application that HE submitted e/o my permission. The employee admitted fault and gave me a phone number to call synchrony bank to close down the account, and report a fraud claim, which I did. An employee of XXXX essentially opened an account in my name without any authorization from me, nor did I sign anything or agree to any credit terms whatsoever.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

For clarity, this is a complaint regarding my Revolving Credit Utilization Rate you are INCORRECTLY reporting. 

Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX  XXXX XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please delete the following addresses you are reporting that does not match nor belong to me : 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 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 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 *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I miss paying XX/XX/XXXX payment but paid it today, said fee was waived but would come off balance, but would pay double payment in XXXX of {$60.00}. Paid . XXXX XX/XX/XXXX the normal payment is XXXX $ but it went to XXXX $ which includes XXXX,, I paid XXXX XX/XX/XXXX and ask for waver of late fee but is taken off balance but my XXXX bill will be XXXX $ which is still XXXX $ but yet the late fee is surprised to be removed. Im still paying a double payment in XXXX
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My business partner and I opened a checking and savings account with Chase Bank XXXX in XXXX XXXX last year, 2019. They provided us with a 3 checks as a part of our welcome packet. 

{$1000.00} was withdrawn from our account via a fake check that had our account number on it on XX/XX/2019 at XXXX XXXX with an entity named XXXX XXXX XXXX XXXX XXXX the east coast. 

We filed a fraud claim with Chase Bank that they rejected on the premise that the 3 unused checks they provided us were not safely locked in a XXXX XXXX ' personal residence. They claimed that someone could've seen the account number on the 3 checks and created a fake check to cash hundred of miles away from XXXX XXXX. 

We urged Chase to reconsider our claim by talking with their fraud department on multiple occasions, stating that the name and address on the fake check was someone unrelated to our business, so the check should've not been processed in the first place. Chase continued to reject our claim on the basis that the checks were not locked away in a personal residence.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX Transunion and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Consumer complaint received 2020-12-29
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)

CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
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)

The account for XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 reporting Knows or has reasonable causes to believe that the information is inaccurate
Consumer complaint received 2020-06-30
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: National Credit Systems,Inc. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX