davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (TX)

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Medical Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Bank of America account was fraudulently charged by Bank of America twice in the month of XXXX for payroll fees in the amount of {$26.00} ( XX/XX/XXXX and XX/XX/2021 ). Bank of America collected said fees twice from my account. I called 3 times to have this addressed. The first time I was routed to XXXX  even though I told the Bank of America person that my payroll is through Bank of America and it's partner in crime, XXXX. The second time I was routed to XXXX, but it was after hours. The third time the call took 52 minutes and at the end of the call I was told to fill out a form to request a refund and that that they would email me the form. The form said that the claim had to be made within one day of the incident taking place. The incident took place in XXXX and it is not XX/XX/2021. The Bank of America persons said that the " system '' charged me twice. This means that millions of Bank of America customers have been charged by the " system '' twice in this way. Bank of America has had a month to get this resolved and to refund the funds to customers and has failed to do so. Bank of America has failed to notify customers that Bank of America payroll service has double charged it's customers. This is theft.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (CA)

This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-18
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. (NY)

Today XX/XX/XXXX I received two letters from citi bank on my credit card. 

This account has been closed couple months back. These letters dated XX/XX/XXXX state the previous provisional credit is now permanent. Since the account was closed they say they dont show the credit and that I can not request a check. 

Not sure why citi took so long to resolve and send out these letters. I would just like my money. 
Two amounts XXXX $ & XXXX XXXX 

I even confirmed by talking to the agents in customer service then they just couldnt figure why?
Consumer complaint received 2020-11-21
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: AMERICAN EXPRESS COMPANY (NY)

This complaint is about American Express ' ( AMEX ) Delta credit card. 

Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. 

What happened ( my complaint ) I did not receive an instant card number not the statement credit. 

How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. 
The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.
Consumer complaint received 2022-05-25
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. (TX)

On XX/XX/22, I received email correspondence, from Experian, stating that their investigation into my consumer dispute was completed. Per Experian 's correspondence, they state that their " role in the dispute process is to review the accuracy and completeness of any disputed item. '' According to Experian 's written notification, they did not do this. On XX/XX/22, I looked at the results provided by Experian and I immediately called Experian customer service to find out why my credit report " still '' contains inaccurate information, after I, the consumer, told them the information was in fact in accurate and I supplied proof of inaccurate reporting via paid receipts. The agent on the phone ( XXXX ) was extremely rude as I explained that I have already submitted a dispute regarding 2 accounts that were inaccurately reporting. I asked to speak with a supervisor however XXXX threatened to release our call several times until I explained that continuing to report these inaccuracies on my consumer report is illegal, pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and it states " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. The way I was treated was unacceptable. I was harassed and I felt threatened. The information that I submitted should have " modified '' the 2 accounts that are currently inaccurately reporting, " and '' I should not feel as though I can't trust Experian with my personal and private information. I feel that my privacy is being violated and unprotected as a consumer. I am submitting my complaint, and documented proof for a correction to my consumer report. If not, I am prepared to take further action, as this is clearly breaking the law.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works. 

Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CO)

Applied for a XXXX XXXX to pay for emergency medical expenses. Never received a card and can not get any assistance from the company. Extra extra long hold times to only be disconnected. Tried chat help to constantly being told after 24hrs of waiting for a response that the information I put in isnt pulling anything up. Ive had the account since XXXX and still have not gotten any help. We had an emergency with our dog and their app refused to work to pay my bill because they never sent me a card but cant get anyone to help me not is there an ability to report or request a new card. As Im writing this now Ive been on hold attempting to fix this. They dont provide proper customer support to fix their problems. They try to convince you that chat is faster but the representative doesnt help at all because they never can seem to find your account and you have to wait 24hrs to even be told that, to wait another 24hrs for them to be upset with you because they cant do their one job.
Consumer complaint received 2020-11-21
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. (AZ)

I have contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim. 

Accounts in question : XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2022-04-06
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: General Motors Financial Company, Inc. (LA)

Gm financial 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 all inquiry I have no knowledge of can you please remove this from my credit report
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've disputed the same accounts to all 3 credit bureaus multiple times and the incorrect and unverified information remains reporting inaccurately on my credit report. 
I've just recently dispute the information once more. Along with my correct name, date of birth, and address. That's been reporting inaccurately by Equifax and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK (CA)

I used my City National Bank ( CNB ) award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. 

I never received the my order. In my previous complaints, CNB was not able to provide my signature for the gift cards delivery to proven the package was delivered to me. 

CNB asked me to contact with XXXX for the gift cards stolen or lost. I have ordered the gift cards from CNB, not from XXXX. The gift cards were ordered by CNB from XXXX. XXXXNB didn't provide the gift cards full information, include 16 digits card number and Security code to me. It is not possible to submit a complaint to XXXX without the card information. 

Actually, I didn't have any relationship with XXXX for this gift cards order, so CNB has the full responsible for the gift cards stolen or lost. 

As a consumer and victim of this case, I am looking for CFPB to protect the consumer.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been scammed over XXXX on XX/XX/2022. 
A XXXX user XXXX XXXX offered to sell 4 tickets to XXXX XXXX XXXX XXXXXXXX. She asked {$200.00} for them and told me to XXXX money to her sisters account : XXXX XXXX, XXXX. She received the money and a couple of hours later she emailed me some XXXX codes. 
The XXXX codes did not look right, because my friend purchased tickets directly from the company and they looked different. So I texted her back via XXXX XXXX and asked for the original emails with the tickets, but she never replied. Over the next couple of days, I repeatedly emailed and texted XXXX XXXX, but she never replied. 
On XX/XX/XXXX I went to XXXX XXXX XXXXXXXX page and found that she deleted our conversation, and she keeps commenting under different posts, selling the same fake tickets to other people. This was the moment when I realized that I got scammed. 

I contacted Bank of America on XX/XX/2022 and reported the loss of funds, but was told that the investigation can take up to 90 business days and theres no guarantees that I will get the funds back. 
When I asked the bank representative for a Regulation E dispute guidance, she said its not my case since the transaction was authorized. I replied by reading that the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Her tone changed and she answered, let us do our investigation. 
Since it can take up to 90 days for the bank to investigate, and the deadline for a Regulation E dispute is only 45 days, I thought its best to file this complaint immediately. 
On XX/XX/XXXX I also reported this scam incident to FBI Internet Crime Complaint Center at XXXX and to Federal Trade Commission at XXXX 


I will attach all the documents connected to the scammer ( messaging with XXXX XXXX, my email to her that she never replied to, screenshots of her XXXX page, her comments on XXXX XXXX XXXX XXXXXXXX page, fake tickets she sold ). I also just purchased new tickets from the event website. Let me know if you want me to send those to you too, since they are absolutely different from what she sent. 
Please, see the scammer 's XXXX page here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (SC)

I have an incorrect item on my XXXX XXXX XXXX report. The incorrect item is from XX/XX/XXXX which states that my Chase Bank account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with Chase back in XXXX when they made this claim. I never made an ATM withdrawal from my Chase account on XX/XX/XXXX for {$2000.00} XXXX nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with XXXX XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX XXXX admitted that they only contacted XXXX XXXX who erroneously confirmed it XXXX, and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by Chase on XX/XX/XXXX is false. Therefore, both Chase Bank and XXXX have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the XXXX  report lists this item and banks are denying me basic checking accounts as a result.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (MO)

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

The company is Care Credit/Synchrony bank card ... ..They purposely hold transactions in pending status so that they can charge you fees and report your balance being over the limit... 
This company will drop your credit limit... I did know companies can do that ..... 
Report the decreased credit limit to the credit bureau... .This puts you at a high utilization rate and then your scores drop. 

synchrony bank has a lot of unfair and questionable business practices... 

You pay 2 times a month on your credit card and it does not go toward your future payment .... 

they are raping minorities in fees and getting richer .... 
This is totally unfair ..... 
My balance on my card on XX/XX/XXXX was XXXX... .I paid XXXX on XX/XX/XXXX... next thing I found out Care credit/Snychrony bank reported my balance at XXXX which brought my score down 25 points ....
Consumer complaint received 2021-04-14
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. (OH)

The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.
Consumer complaint received 2023-01-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.