davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

In XXXX of XXXX, Best Buy was offering a 24-month no-interest promo however this was during the pandemic. They claim that they didn't have adequate staff to fix the contract to reflect what the current promotion offed. Best Buy never cleared this up with Citi Bank. Citi is the issuer of the credit card. Two weeks after receiving the order I stressed to the BBuy rep about the contract that needed to be updated I was reassured that Citi was aware of the the issue. Trusted that they would rectify the matter. I ended up going paperless and automatic billing as I navigated my way through life in fear of a Pandemic. Citi never rectified the contract in the meantime Citi went with the 18 mo promotion and not the 24 mos as promised. This is a predatory practice I'm sure they take advantage of senior citizens who can not protect themself. On XXXX XXXX XXXX, I called Citi and they advised me that It was too late for them to do anything about it I should have called six months early. This is a case in which the two companies do not communicate with each other on behalf of the consumer. Each company says it is the other fault.
Consumer complaint received 2024-01-04
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. (PA)

On XX/XX/2023 I disputed 4 XXXX accounts for verification several times via Trans Union website. The results were not mailed to me and the account still remain on my report. THE ACCOUNTS ARE BEING REPORTED AS OPEN. COLLECTION ACCOUNTS ARE NOT OPEN THUS HURTING MY CHARACTER. The continual reporting of these blatant errors directly violate FCRA guidelines. There are multiple errors besides being reported as open. I question their process and will be seeking legal compensation for the continual reporting errors. I attached photos of each account being reported as open under account type. Also attached all 4 dispute letters which I never received any information on.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank reduced my two retail credit cards line of credits that affected my whole credit usage and thereby reducing my overall credit score which my other creditors are looking as negative. I have a Synchrony Car Care card that I use for care repairs when needed. Since my car do not break down every month, I do not use the card. I had {$1800.00} credit list on the card, XX/XX/XXXX, I used the card for some emergency repairs on my car. Almost immediately after I used the card, my credit limit was reduced to {$900.00} which was about what I used on the card. As a result of this action my credit score and account credit usage went up and showed negative because it showed that I maxed out the card by using all my credit limit. I had never missed any payment on any of y account since 2017. My XXXX Credit Card for travel only and which I only travel when necessary was used in XXXX for {$350.00} airline ticket to visit my son 's wedding out of state. I had {$1500.00} line of credit on this card. Synchrony Bank again reduced my credit limit to exactly the amount used for the airline ticket. Again this affected my credit usage and my credit score. So I contacted Synchrony Bank and was told that the reason they reached my credit limit was because my Credit Usage changed and my credit scores no longer meet their requirement to allow me to keep the same credit limit. They cut my credit limit to minimum which affected my credit usage and my credit scores and then they pulled my credit after the fact to tell me that my credit score went down below their requirement. I started to research if anyone had the same problem with Synchrony Bank reducing their credit limits which affects their credit scores. Lots of people have many complaints on social media about this problem. My other creditors are now looking at my other accounts to see if I was having problem paying back on my account. Because of Synchrony action, my XXXX XXXX account with no limit was cut off and new limit set to my balance. When I contacted XXXX, they told me that my credit usage and credit score changes was the basis of their decision. Synchrony Bank is ruined my credit score and tarnish my record with XXXX.
Consumer complaint received 2023-12-21
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-04
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. (TX)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America recently tanked my credit score after failing to draft my automatic payment for my auto loan. I made numerous attempts to contact them and they refused to correspond with me. I have called and left voicemails, sent letters via snail mail, and attempted chats via XXXX XXXX and XXXX XXXX XXXX. I filed a complaint with CFPB and Bank of America never corrected the error on my report, but did begin reporting the account as current. This month, I increased the autopay to more than my monthly payment and double-checked to make sure that the autopayment went through. My XXXX XXXX Checking account shows Bank of America did draft the money and Bank of America shows that they did receive it. However, they just reported to the credit bureaus again that the account is delinquent ( after previously correcting its status to current, but not correcting the payment history ). It is absolutely ridiculous that a single company can slander a consumer causing increased insurance and loan rates. Aside from trying to sue a multi-billion dollar company for slander or malpractice, I'm not sure what options I have left at this point. This is extremely frustrating.
Consumer complaint received 2024-01-03
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. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

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/XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account 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 a 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 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 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (IL)

I recently talked to Apple Card Goldman Sachs today I was previously told by SIPERVISOR THAT a dispute was filed given number then get an email stating it was a balance inquiry. I have first been trying for a long time to get the correct credit info from apple I never got the XXXX XXXX phone or the clear case. most importantly I have many unknown charges and credits on my account, the XXXX app never matches what they say when I call the balance is always different usually more. I chatted a couple of times today also they did was waste jy time Im sure they are overseas texts due to the language. Still no results just seems like playing with customers I need help they just take your money then are rude hang up etc when u try and call
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Companies Involved 1. XXXX XXXX 2. XXXX 3. Experience 4. XXXX 5. XXXX 6XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current.

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and XXXX XXXX to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX occurred in the unit. I ceased living in the unit, but left my belongings. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Move-out Requested under Texas Property Code 92.016 from XXXX XXXX XXXX XXXX Apartments XX/XX/XXXX Lease at new complex began. 
XX/XX/XXXX I moved my possessions out of the XXXX Apartments. 
XX/XX/XXXX Submission of XXXX for the damages incurred during my XXXX XXXX incident due to conversation with XXXX XXXX about damages to the unit ( windows, bathroom ). 
XX/XX/XXXX Proof of payment of final rent due ( XXXX ) XX/XX/XXXX Proof of payment of additional fee ( XXXX ) XX/XX/XXXX Surrendered keys, after personally doing several repairs to the walls and baseboards. Showed photos of the countertops to XXXX. 
XX/XX/XXXX XXXX of XXXX XXXX for ( XXXX ). 
XX/XX/XXXX Email exchange disputing charges on XXXX XXXX with XXXX XXXX. She claimed that she would contact the billing department and remove the charges. 
XX/XX/XXXX Called the billing department, left XXXX. Received no call back XX/XX/XXXX I received a call from XXXX XXXX from XXXX Apartments on XXXX. 
XX/XX/XXXX I called XXXX XXXX twice, and left XXXX. No call back. 
XX/XX/XXXX I explained the situation, she gave the same amount and was unwilling to remove the balance owed or how I owed the utilities in excess of a security deposit. She ultimately hung up on me. 
XX/XX/XXXX Another call with XXXX XXXX where she wouldnt budge on sending me a revised statement. Email left on read from XXXX XXXX. 
XX/XX/XXXX XXXX XXXX let me know she would send me to collections and wouldnt be sending me a copy of what I owe. 
XX/XX/XXXX I received the first letter from Fair Collections Outsourcing ( Debt Collector ) for {$330.00}. 
XX/XX/XXXX I disputed online. 
XX/XX/XXXX Called debt collector. They verified the amount with XXXX XXXX and said they couldn't do anything because she said the full amount is due. So, they would offer me 10 % discount but the statement I have from XXXX doesn't mean anything because the client wants the full {$330.00}. I called the apartment complex, XXXX XXXX no longer works there, but will contact XXXX XXXX on my behalf that it wasnt a valid debt. I called the debt collector back, they are saying this is a refusal to pay the debt and it will reported to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: FlexShopper, Inc (VA)

XXXX XXXX : XXXX # : XXXX I ordered truck tires from XXXX XXXX. They use Flex shopper as payment agent. When applying application ask how you are paid. I put monthly with hopes of paying monthly payments. Instead, as soon as tires were delivered, I was told the agreement is for weekly payments. I explained because account had been hacked, I was changing banks and as soon as I received the debit card and the new account was funded, I would make weekly payment. I was told after XXXX payments it would go to monthly payments. Then I kept being charged to the old account causing overdraft fees for old account and Flex shopper causing me fees on both accounts. Then I asked that old account be removed from account and my new account not be automatically drafted because this company is generating fees from old account, new account, and the Flex shopper account and never providing statement to alert for over drafts. The fees cost more than weekly rental of merchandise. Keep charging payments. I received the merchandise on XX/XX/2023, and as of XX/XX/XXXX, I have paid XXXX payments of {$45.00} overdraft fees of {$29.00} from old account 3 times and now one payment of {$82.00} and now another payment of {$45.00}. 
weekly. Plus, I have been blocked out of the account and can not see if any of the payments have been credited to account for tires. 
I am a service-connected XXXX veteran and all moneys come from department of XXXX XXXX XXXX XXXX and social security.
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (GA)

" I recently applied for a mortgage loan and initially received pre-approval, followed by formal approval. I proceeded with the necessary steps, including the payment of earnest money. However, during the final stages of securing the loan, unforeseen complications arose. Despite my substantial down payment of over {$200000.00}, a XXXX XXXX exceeding XXXX, and the property 's value being {$360000.00}, my application was unexpectedly rejected. The reason provided was related to my debt-to-income ( DTI ) ratio. 

It's important to note that my student loans were not only in deferment but also subject to an income-driven repayment plan, with a nominal required monthly payment of {$130.00}. Given my annual income in the six-figure range, this denial was both surprising and disappointing. Regrettably, this turn of events resulted in a significant financial loss of nearly {$6000.00}. ''
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

XXXX  continues to update my credit report with false information. I have not had XXXX service and I am receiving a bill for over {$2200.00}. Now, it has moved to collections and I have attempted to communicate with the collection company as well as XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XX/XX/24 I contacted Equifax as I was unable to access the account that I created for the purpose of having control over freezing/unfreezing my account, and to review my credit report. The problem was sent to tech support as it kept telling me that " We are temporarily unable to complete this request. '' I also tried to recover my account, but the message was always " We didn't find an account associated with your information. The data was more than triple checked. The person who helped me, XXXX, said that this should be resolved by tech, and kept saying Sorry Sorry continuously. The tech support then sent an email form letter that said they resolved the issue. 

XX/XX/24 I have tried this XXXX  to sign in. The same thing keeps happening. I am beyond frustrated and angry as so much time was spent yesterday on this problem. I spoke with two agents and told them that I was also very frustrated and angry. One person named " XXXX '' hung up on me after say sorry over and over again.. The other one named " XXXX '' told me that she was sorry, and that she referring my problem to the tech department ( again ). I checked and rechecked. 

Note all agents told me to try XXXX XXXX as XXXX and XXXX were not appropriate browsers for Equifax. Of note that is not noted on their website. Also, XXXX told me that my name needed to be in all caps. I did that, even though it is not noted to do so on their website. It made no difference. Finally, I was able to get my XXXX chrome to load up on my old laptop. I was excited. I tried to sign in using the information that all agents said was correct. I kept getting the same two messages as noted above. Now I get to wait for the form letter from the tech department. Oh joy. 

The source of my anger is that this company did not maintain adequate security and thus what is known as Equifax Hack, and to this day, all of my financial data is now sitting on the dark web. I never received a settlement from that angst. Now I am stuck in a dystopian situation where the error messages are just piling up.
Consumer complaint received 2023-12-16
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. (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.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.