davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

I have a US Bank credit card account, I moved my office in approx XX/XX/XXXX, I attempted to change my mailing address multiple times online at US Bank but was unable to. I do get mailed statements so I made calendar notes to remind me to pay my US Bank invoice monthly. I did that each and every month on time payments. So I communicated with US Bank each month online and paid my monthly invoice. 

I sign on at the end of XX/XX/XXXX and see I have {$0.00} credit line available where it should be approx XXXX XXXX. I call customer service and they advise me US Bank has had 2 pieces of mail get returned to them so they closed my credit card account. I was not understanding how a client that used the credit card and made on time payments get his account closed because of returned mail. He advises me to send a dispute letter to a certain department. I send the letter and they respond the account has been closed for more than XXXX  days so they can not reopen the account. 

I call customer service again and they state the same, and tell me to send a second dispute letter which I did I also advise US Bank at that time they issued me a new credit card in XX/XX/XXXX and I have it in my hand. Credit cards don't get forwarded so US Bank clearly knows my address because I have the new credit card and use it for new charges in XX/XX/XXXX and XX/XX/XXXX. So clearly I have my new card mailed from US Bank and I have used it. 

I was not getting my statements because they would not allow me to change my mailing address online, But US Bank did deliver my new credit card to the correct address. 

US Bank 's response to the second dispute letter is the same they state because they have returned mail on my statements they have closed my account. 

I was advised today that my account was closed sometime in XX/XX/XXXX it has been a very short time they know who I am they know where I am this makes no sense to close my account over returned mail. 

My request is that my account is reopened and my credit line is reinstated. I continued to be an active client with US Bank using my credit card and paying on time each and every month. 

I will attached the related documentation.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (MI)

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (SC)

U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. 

They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. 

I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. 

These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. 

They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!
Consumer complaint received 2021-07-22
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. (VA)

I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. XXXX  and Equifax have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither XXXX, Equifax or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : Equifax, XXXX
Consumer complaint received 2022-02-03
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 — Problem with personal statement of dispute
Company: MoneyLion Inc. (TX)

XXXX XXXX and XXXX XXXX of money lion, botj handled this dispute. Initial conversation via email warranted push back and disregard for my details toward complaint. As stated, 22 plus payments were made without issue to this company. At a point their company deemed my checking account ineligible for payment toward my account with them. A default selection was not offered nor were my attempts to utilize other methods of payment. I explained this that their was an issue on their end. Im XXXX I received a debit card from a company called XXXX in which I was successful making two payments on the third my payment was blocked again. I explained this several times to both XXXX and XXXX XXXX. 

I was given a basic response & disregarded after. They sent my account to charge off without resolve. Poor communication and customer service.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

Provider at XXXX XXXX did not disclose product or product details, omitted interest rate told me that interest was free for 12 months described to me as a loan, ended up being a credit card and if balance wasnt paid Id have to pay all the interest accrued for the whole year, found that out the month it was due. My annual income was forged by provider as I did not provide it for the application but a number was put in their i later saw on the documents. Same thing happened with my moms account and she had a portion of my down payment on her account and services for my sister and she filed a claim with synchrony bank - and won they reimbursed her care credit balance but now the XXXX office is saying I owe because synchrony reversed it and now theyre out the money. Does not sound right to me. Deceptive practices and they forged the credit application also did not disclose all the fees and interest. Sounds like UDAAP violation. Synchrony has a class action from XXXX that matches everything that happened to us. I was XX/XX/XXXX at the time and informed her that I did not want any credit products because I did not want the hard inquiry she said itd be a soft inquiry but it wasnt stayed on my credit. Credit was also ruined for missed payments to synchrony because I was told it would be one lump sum to XXXX office not a separate account I needed to pay.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (GA)

I recently received a copy of my Equifax credit report, and saw inquiries that I did NOT authorize. I am requesting that these inquiries be removed immediately. Below are the following inquiries that need to be removed : Inquiry date : XXXX Creditor Name : XXXX XXXX XXXX XXXX date : XXXX Creditor Name : XXXX
Consumer complaint received 2022-01-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XXXX I called equifax @ XXXX Asked for the fraud dept spoke XXXX employee id # XXXX the person hung up on me three times.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: AES/PHEAA (NC)

i submitted a fax request for a good will removal of late payments on XX/XX/2022. 

i submitted with my documentation that i was in the middle of an XXXX  relationship and i provided court papers to prove this. no one ever reached back from this company with results. 

this was sent to the fax number listed on their credit dispute XXXX. 

no one ever contacted me back. i am requesting these late payments be removed.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DE)

XXXX XXXX my card was charged XXXX for a XXXX XXXX purchase, prior to the charge being charged I used my card at a gas station and left it in the pump which is how Im assuming they even obtained my card information let alone my physical card. At the time of purchase I was still in the area in which I had gotten gas and I received a notification that my card was used I immediately called my bank to tell them. I also provided a receipt from XXXX XXXX showing my whereabouts during the transaction.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXXXXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to Barclays in regards to the above refenced account.

FACTUAL BACKGROUND TO THE MATTERS.

1. Barclays neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. Barclays has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. Barclays has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. Barclays exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management.

5. Barclays exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process.

6. Barclays further exhibited lack of professional and respectful account management manners.

7. Barclays negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. Barclays inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. Barclays ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. Barclays displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further Barclays actions impairing XXXX XXXX 's professional and personal status.
Consumer complaint received 2022-04-13
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. (NY)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-04-13
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: GOLDMAN SACHS BANK USA (AZ)

XX/XX/XXXX I purchased an Apple XXXX for approximate {$1200.00}. Apple offered an " installment payment with no finance '' if paid off in 24 months if you put on a card, so payment would be {$51.00} a month. XX/XX/XXXX I noticed that my card was being charged interest and contacted Goldman & Sachs ( card company ) and advised of this. Apple representative called me back the next day and said their error they would credit all the finance charges and put phone on installment plan.. XX/XX/XXXX Apple Card ( Goldman & Sachs ) called me regarding my payment being behind, even though I had made a payment. Rep stated the payment was to be {$160.00}. I said What, why ... .They said well you owe for phone. I went through the installment that Apple advised and Apple NEVER applied the payments against the phone, they set up the installment plan 8 months later with the original amount. Supervisor at Goldman & Sachs saw the same thing and stated they were putting in a dispute and it could take up to 25 days to resolve. It has been past 25 days, still not resolved and they call every month stating I am past due. I tell the rep is there any notes... they go in and see the notes then say oh I am so sorry. Today when they called I said I am still waiting on resolution but at this point I am worried this is effecting my credit representative stated " Oh it absolutely is being reported that you are past due '' At that point I stated I was contacting CFPB and the Attorney 's General Office and wanted to speak with supervisor. Supervisor XXXX got on phone she also can see the error and is sending back a note regarding the false reporting to credit bureau but due to the amount of time that this has been going on I am worried this is not going to resolve.
Consumer complaint received 2018-11-10
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. (TX)

I have written to all major credit reporting agencies ( XXXX, XXXX, Equifax ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A )  have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Consumer complaint received 2018-11-09
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 (NY)

I have been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX  on XX/XX/XXXX.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

At the end of XX/XX/XXXX, I opened a PNC Virtual Wallet with Performance Select account online so I could obtain the {$300.00} bonus PNC offered. To receive the bonus, PNC required that the account receive {$5000.00} in direct deposits within 60 days of account opening. Once the direct deposit requirement was met, PNC would deposit the bonus in the account within 60 to 90 days. 

My account received more than {$5000.00} in direct deposits within 60 days of account opening. It received {$3700.00} on XX/XX/XXXX and {$3800.00} on XX/XX/XXXX. However, my account did not receive the bonus within 90 days of meeting the requirement. 

On XX/XX/XXXX, I inquired through the help function of the PNC mobile application about why I hadnt received it. I chatted with the representative XXXX. He stated that the promotion was not applied to the account, so I must not have used the correct link to open the account. However, he could not tell me what link I had used. 

I find it unfair and deceptive, akin to a bait-and-switch, that I opened my account online ( using the requisite Apply Now button at XXXX XXXX XXXX ), but now PNC refuses to follow through on giving me the bonus even though I met their requirements. The best answer they can provide is that I must not have used the right link because the promotion wasnt applied. That is circular thinking and an invalid argument. Clearly PNCs inability to explain why I didnt receive the bonus ( beyond their circular thinking ) benefits PNCs bottom line because they do not have to honor the disclosure. I have no doubt that there are others in my situation.
Consumer complaint received 2020-01-24
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. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (TN)

Today I received a call from Ally Financial, which left a message on my telephone asking for contact information for my brother, XXXX XXXX, because he " owes '' them money for a debt. I am not XXXX XXXX. I called the company back at XXXX, ext. XXXX and spoke with XXXX, the woman who left the message on my phone. I informed her that she violated FDCPA by contacting me and informing me of my brother 's debt and that she needed to not contact me again. She said she would not stop contacting me until I verified who I am. I said she needed to stop calling immediately and she hung up the phone. This is harassment and I am not going to stand for it. I would like to file a formal complaint with the company and have them punished for harassing me while I am at work. Thank you, XXXX XXXX XXXX