davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have been trying to regain access to my Equifax account online but when I try to log into my account I receive an error message stating " We are temporarily unable to complete this request, please try again ''. I've tried multiple times on different days and times to login and I continously get the same message. I contacted Equifax customer service and was told to reset my password and login without any issues, I reset my password since I've contacted them and I still continue to get the same message " We are temporarily unable to complete this request, please try again '', this is now an issue that I hope to resolve. Equifax doesn't seem to care or help.
Consumer complaint received 2024-02-15
Product: Credit 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. (CA)

Due to travel delays, I attempted to check into the XXXX XXXX XXXX in XXXX XXXX in the evening hours of XX/XX/2023. I was informed my room for my entire reservation had already been rebooked to another party and I would have to find another hotel since they had no other vacancy and that I would be refunded for my reservation. I have now been trying to dispute the {$750.00} charge with Citibank for over 4 months. I was initially told by XXXX that since the room was booked through XXXX, an XXXX company, they would be responsible for the refund. When I spoke with XXXX they explained XXXX should be responsible. The charge was initially taken off, but then put back on my credit card on XX/XX/2023. I have been trying to work with Citibank, contacting them by phone and by email several times. My emails to them are documented in case you need them they can be supplied. The last correspondence by email stated that since I attempted to check-in late on the evening of XX/XX/XXXX before XXXX they put me as a no-show and therefore they had the right to rebook my room for my entire stay without a refund. I sent a screenshot of XXXX 's policy that clearly states ( Check-in time : XXXX ; Check in end time : anytime ). My reservation was not honored when their policy states I could have checked in anytime. It states nothing regarding them rebooking my reservation if I did not arrive by a certain time and they booked my room to another party, collected those reservation fees so they are receiving double reservation fees for one room that I never stayed in. I thought Citibank would quickly credit me but they have put me through an endless dispute process with terrible customer service and refusing to reply to my emails. I will attach the documentation below showing their check-in end time policy. It leads me to wonder how many times are they allowing XXXX and XXXX to double book their rooms, turn away guests, and generate double revenue simply due to a late arrival due to unforeseen travel delays when their policy clearly states otherwise.
Consumer complaint received 2020-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KS)

I filed for bankruptcy in XXXX of XXXX. I have a home equity line of credit with US Bank. I reaffirmed my mortgage in XX/XX/XXXX and the reaffirmation agreement was filed with the courts on XX/XX/XXXX. My monthly payment has continued to be automatically withdrawn from my checking account each month. However, my HELOC is no longer showing up online nor am I receiving any monthly statements for it. My bankruptcy has been discharged and I thought I would begin receiving statements again on my HELOC. I called US Bank on XX/XX/XXXX to find out when I would be able to see my HELOC online again and when I could get statements. They confirmed that the bankruptcy shows discharged but didn't know why the status wasn't updated. I was transferred to 5 different people who all told me different things. XXXX said she wasn't sure why the HELOC status was not updated and transferred me. XXXX told me that I would not get statements again on it and it wouldn't show up online. XXXX told me that didn't have my reaffirmation agreement on file and I needed to contact my lawyer to have that filed. The last person I talked to in the bankruptcy department said they would not send statements or show my HELOC online until 60 days after the bankruptcy termination date and that I would have to contact my lawyer for when that is. They said all they could give me was the current balance and tell me my payment history. They said that they don't show any payments since XX/XX/XXXX even though they have continued to take the payments out of my checking account each month. I'm concerned that I am not getting credited for the payments I've made, that my balance is not going down, and that I am accruing interest on a balances that I've already paid towards. I have no way to verify my HELOC balance, interest or payments and they refuse to help me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm. 
Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information. 
Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that XXXX promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AL)

On or around XXXX XXXX, 2020 someone charged fraudulent purchases to my Lowe's/Synchrony account. The charges were promptly reported and the account cancelled. During the course of transferring my balance to a new account, a Lowe's/Synchrony representative appears to have transferred one of the fraudulent charges ( {$360.00} ) to the new account at an interest rate of 26.99 %. I have repeatedly called Lowe's/Synchrony every month for the past five months and have been passed from department to department trying to get this resolved. They have repeatedly cost me time and money! Contemporaneous with the filing of this complaint Lowe's/Synchrony has charged, billed, and cost me {$580.00} because of their negligence to date. I have complained to customer service repeatedly ; however, it always ends up with one department blaming another department and transferring my call to that department only to be redirected back to the department they just transferred me from.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-09-18
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: SYNCHRONY FINANCIAL (MA)

Hi, I'm not sure what's going on but I was told that this charge off account from Old Navy Visa Card through Synch ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NY)

In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.
Consumer complaint received 2020-11-06
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. (AZ)

I opened a billing dispute on XX/XX/XXXX in the amount of {$230.00} for an item that was NOT received. Over the past 4 months, I have supplied Citibank with the information they required to satisfy this dispute. On XX/XX/XXXX, nearly 4 weeks from today 's date, I received a letter in the mail from Citibank ( attached ) stating the dispute was finalized in my favor and that conditional credit is now a permanent credit. Sadly, after waiting for an additional 2 weeks, the status of this dispute was NOT closed, as indicated on my account via the mobile app, and I have been charged several months interest ( APR ). During this dispute process, I have called Citibank a dozen times, requesting them to move this process along in a more appropriate manner. The account manager working on this dispute is completely incompetent and the fact that this dispute is still showing as " open '' is proof of this. Most recently, I spoke to a supervisor " XXXX - XXXX '' on Thursday XX/XX/XXXX @ XXXX XXXX MST, who re-assured me he would email the account manager for my open dispute and have them update the mobile app status to " closed '' and waive the interest that was charged as a result. Again, to date, this billing dispute is showing as open and I have fraudulent interest charges on my account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TX)

I was laid off XX/XX/XXXX of XXXX. I then went online Under XXXX website to request a forbearance for unemployment I received a notification on XX/XX/XXXX, stating that the deferment was approved up until XX/XX/XXXX.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

i faxed the company two times from XXXX XXXX. on the fax machine i got a busy signal six times. however on my phone, i called the fax number, it was not busy. i then faxed from XXXX XXXX ( XXXX XXXX XXXX ) digital fax. i put in three pages on two cases, sent seperatly. they said they didnt get this either. the person who want the information from equifax is XXXX XXXX, they sent it out on their number XXXX XXXX XXXX too. i called them on XXXX XXXX from XXXX untilXXXX. both times i was on hold for all that time. no one answered and the calls were dropped. i had an id theft previously and equifax was guilty of it. your department helped me, but i knew nothing of a settlement, until it was too late. could this be why my calls are left unanswered. i want equifax written up on this and my discrepency reports resolved. XXXX XXXX of XXXX XXXX helped but no response from equiifax. please look into this.
Consumer complaint received 2021-07-07
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. (TN)

Since XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX investigation has only been updated but no documentation or proof of Method of verification has not been verified. XXXX XXXX XXXX has been re-aged and this is a direct violation of the FCRA and the bureaus are not removing this inaccurate erroneous accounts from the credit profile. I would like these accounts to be removed immediately. Attached are the disputes that were sent to the bureaus.
Consumer complaint received 2024-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX 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
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
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. (NJ)

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (FL)

An account was fraudulently opened with Chime Bank. I was made aware of this account via email, otherwise I would've never known. I tried to reach out to Chime for assistance but was initially told I needed to be sure I didn't open the account or were trying to open a new account and close another one. After I received this email, I was extremely upset. I reached out to Chime a second time demanding this account to be closed. I also explained how all three credit bureaus have a fraud identity verification statement from me which they bypassed. Chime reached out again ( via email ) stating I would need to send in my social security card, drivers license and a picture of me holding my license in order for them to verify my identity. I emailed them back stating I will not send in these personal documents that were not required to open this account. Chime response was basically stating there was nothing they could do if I did not assist them with these documents. There is no telephone number to speak with anyone at Chime, they only respond via email. I am extremely upset during these hard uncertain times with the way I am being handled as a victim of identity theft. My personal information is out on the XXXX market and Chime doesn't seem to understand how they play a major role by skipping the appropriate steps to accurately verify potential customer 's identity.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my 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 is found to be fraud 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. Please block/remove these items. 
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