davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

Macy 's has moved everyone to opening an XXXX XXXX Macy 's card but sold it as if it was just a new account to go with the already existing account I had with Macy 's. I have had a Macy 's credit card for years, they promoted this XXXX XXXX account I did not want but signed up with for the discount. I paid this account in full after opening it. Each time I would return to Macy 's to make an additional purchase I would ask to use my Macy 's account for the charge, I specifically said my exisiting Macy 's account. I did not realize they were making these charges to the XXXX XXXX account as I did not ask for that. I would receive text messages telling me the account was past due and to click a link, when I clicked the link they directed me to my Macy 's account showing I did not owe in fact Macy 's is carrying a balance they owe me. Now I find out by monitoring my credit this balance was for the XXXX XXXX card that never showed up on this link I would check to pay it off. Now I am showing negative payment history on my credit. I called this evening to pay off the balance, the person on the line did not understand the impact to my credit as they are not in the XXXX and when I asked for a XXXX representative they said that person was not available. These creditors are ruining our credit and collecting fees that are not appropriate as they rack up this income then tell us didn't we read the legal information but who has the time to when they are pushing a card on you at the time of your purchase. This is getting ridiculous and I now understand why nobody wants to take these credit cards as they will just ruin your credit and rack up additional fees. I paid the card in full tonight but the damage to my credit is not corrected.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IA)

Experian membership services User name : XXXX Password : XXXX XXXX When I signed up for services in XXXX I was granting a charge for {$1.00} to access credit report.i was unaware I was being enrolled in a monthly subscription for {$26.00} this amount was billed to my account the first week of XXXX and the last week of XXXX then again last week of XXXX I have cancelled the services as of XX/XX/XXXX upon discovering charges but am unable to receive a refund. I never authorized a monthly subscription only the {$1.00} charge. Id like to have the XXXX months worth of billing refunded back to me.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am sick of these Credit Agencies. Over and over I go thru the dispute process, they just change the reporting each time, they never verify it. 
I attached the XXXX print out because when you pull XXXX directly it does n't point out it 's own mis reporting, besides I fight thru the XXXX.com, it wo n't let me thru so I have to go pay each time. I am not being taken again1- attached page of XXXX, you can see it 's XXXX and XXXX XXXX my name, it is reporting XXXX accounts on a payment plan, that plan was paid and discharge 2 years ago2- Attached page from XXXX reporting XXXX accounts with no payment history. I have requested the history and the accuracy of the last payment date, no response. In the words of XXXX XXXX, " trust but, verify '' apparently not with XXXX, they just tell me to pound sand when I do n't trust them anymore because when I request to verify information or simply delete the account if the vendor ca n't verify the information- why so difficult? 

XXXX-attached First Horizon reporting, Like me you can see the reported history does n't match the last payment date. What they did is transfer to XXXX, so my record looks like I have XXXX mortgages that were late and lowers my score. XXXX XXXX made a mess of my Modification request, transferred it, threw out my paperwork. After XXXX times with full submissions and my attorneys help, XXXX completed it in 2014. I am requesting the entire XXXX be deleted as no one is able to actually verify the payment history and they should n't be rewarded for making a mess out of the account. While I was in XXXX XXXX, no reporting was available, the moment it was discharged, this erroneous reporting shows up.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OR)

XXXX of 2022, I opened an account with Key Bank in XXXX to receive funding from a friend outside of the state through XXXX transactions. I opened the account online and some address information was wrong, and Keybank set up a home branch in XXXX When I went to withdraw the money in Michigan, It was flagged as fraud. After proving my identity, Keybank still withheld the fund. due to suspected fraud, I was not told of any information. The KeyBank retailer suggested closing the account and the fund with be resent back to the sender, so I closed the account with KeyBank. After a while, I contacted KeyBank and they told me they will not refund the fund unless the sender ( who is a client from XXXX XXXX  ) contacted KeyBank through XXXX XXXX and request the fund. I contacted the sender and sat down with XXXXXXXX XXXX XXXX XXXXXXXX will not request the fund, because the money was sent legitimately and they can not give out client information. So Keybank and XXXXXXXX XXXX  will not talk to each other to resolve the issue, and Keybank has since then sent me running around. I since then have moved out of XXXX and to XXXX Keybank retailer now won't return my call, and Keybank back office number said they can not do anything on the phone and I have to talk to the bank branch.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me. 

I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom. 

And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate. 

I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

XXXX cfpb case moneygram explanation conflicts with reply I received. Still no refundXXXX XXXXXXXX XXXX XX/XX/XXXX RE : XXXX MoneyGram has completed the review of your case which relates to a potential error or problem with your MoneyGram money transfer transaction XXXX. 

Your concerns : In your communication with MoneyGram dated XXXX XX/XX/XXXX, you indicated that the following occurred : - funds were not made available to the receiver on the disclosed date of availability. 

We apologize for any difficulties you may have experienced in using our service. While we strive to provide our customers with the highest degree of service, there are times when a problem may arise, and we regret that you may have been inconvenienced. 

If verified by MoneyGram, these circumstances may constitute a mistake as defined under the Remittance Transfer Rule as enacted by the Consumer Financial Protection Bureau and currently effective ( the Remittance Rule ) and would entitle you to certain remedies, as further described under the Remittance Rule.

Conclusion : After completing our investigation, we have determined that an error may have in fact occurred with your transaction. Our records show that the funds have been refunded to you on XXXX XX/XX/XXXX for total of {$150000.00}. This amount represents : - The amount you intended to transfer ( {$1500.00} ). 
- The transfer fee you paid with this transaction ( {$190.00} ). 


We appreciate your comments as this helps to improve processes and procedures related to our customer service. We hope we have addressed your concerns and sincerely apologize for any inconvenience. 

Sincerely, ______________________ XXXX XXXX Department P : XXXX Mailbox : XXXX Attention XXXX XXXX Department XXXX XXXX XXXX XXXX, Texas XXXX PRPA Pursuant to the Remittance Transfer Rule of Regulation XXXX, XXXX C.F.R. sec. XXXX ( d ), if you complained about a payment error and we determined that no error occurred, you have the right to request the documents on which we relied in making our determination. Should you request such documentation, you XXXX be required to verify your identity, such as providing a copy of a valid government ID and/or affidavit, prior to receiving the documentation. 

Best regards, XXXX XXXX XXXX XXXX XXXX Dodd-Frank Jurisdiction ______________________ MoneyGram International XXXX : XXXX : ref
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

On XX/XX/XXXX I tried to buy food through an online delivery service app called XXXX. My card was declined, which was concerning since I get paid SSI benefits on the XXXX of each month. I immediately logged into my DirectExpress online account and noticed all of my money was stolen ( unauthorized transactions ). I cancelled my card online and swiftly called DirectExpress to report the unauthorized transactions for a total of {$2300.00}. However, they stated their Fraud Services Department is closed on weekends. 

I spent the following week trying to get in touch with their Fraud Services Department and finally got in contact with them on XX/XX/XXXX. I stated my concerns, opened a fraud investigation, and they said they would mail out a Questionnaire of Fraud ( Form DX-QOF-v.06 ). 

I once again struggled to get in contact with DirectExpress while trying to notify them that I still haven't received the Questionnaire of Fraud. On XX/XX/XXXX I got through to them and they said they would resend the aforementioned form. 

I received the Questionnaire of Fraud approximately one week later and filled it out. I signed it on XX/XX/XXXX and emailed it to their claims department. 

On XX/XX/XXXX I received a letter from DirectExpress ' Fraud Department Services ( dated XX/XX/XXXX -- the day before I even submitted my form ) that stated after a " thorough investigation '' the transactions were not unauthorized. There was nothing thorough about their investigation. Most of the transactions were completed in states I've never stepped a foot in throughout my entire life. Additionally, there's over 3 years of clear spending patterns primarily through food apps, such as XXXX and XXXX. They put in the least amount of effort as possible to assist me during an inflationary period and throughout the holidays. It's disgusting and disheartening.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to make a cash deposit of {$340.00} at a Bank of America ATM in the XXXX XXXX neighborhood of XXXX XXXX. I was able to insert my debit card, put in my PIN number, select " make a deposit, '' and deposit the cash. I had {$340.00}, but two of the dollar bills I inserted were wrinkled, and I had those returned to me. After this, I waited for a long period of time with nothing happening, then my debit card was ejected. I did not receive any information from the ATM on how much cash I had just deposited, any information on the cash deposit being updated to my account, or a prompt to receive a receipt from the transaction. This was highly irregular from my previous experiences making cash deposits at this ATM.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There is computation error or similar in the XXXX-year payment history. Showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

I applied to have my co-signer released after making 12+ on time monthly payments, building my credit history over the last year to XXXX and meeting all of the other requirements that Navient asked for. 

They declined my request to release my cosigner stating that my installment debt amounts are too high. Of course they're high, I went to a good, but expensive private school and can't pay off $ XXXX in debt in a blink of an eye. I've been making payments since 2011 and since most of the money I pay goes to interest, it's out of my control that the principal balance doesn't decrease at a fast rate. 

I have great credit history, made all my payments on time for more than a year and my credit history has proven that I'm very financially stable. They didn't take long to deny my request so that my mom can't be let go as a co-signer since they want as many people on the hook as possible. 

On top of so many other sketchy activies and predatory practices that this company has been involved with, this is just icing on the cake.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Bank : Synchrony Bank ( Financier for XXXX Credit Card Account ) Issue : Closed account and refused to reinstate account despite being in good standing ( no missed or late payments ). 

Facts : 1. Card payment was due on the XXXX of each month. 

2. I attempted to make the XX/XX/XXXX payment early, once on XX/XX/XXXX, then again on XX/XX/XXXX. Days later, the online system showed the payments had been rejected. 

3. I successfully made a payment on XX/XX/XXXX. The payment was accepted and went through. 

4. I called Synchrony and my bank to find out what happened and why the payments were rejected even though I had sufficient funds in my account to cover the payment. Synchrony said my bank was at fault and they had rejected the payment. 

5. Synchrony closed my account in late XX/XX/XXXX, after my successful payment had gone through, citing two failed/rejected payment attempts.

6. I spoke with a synchrony representative and explained this was not my fault but a bank error and was informed that the account would be reinstated if I submitted a letter on my bank letter head, from the bank explicitly saying that it was a bank error and that I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX when the payments were rejected. 

7. I obtained the letter from my bank as instructed and faxed it to synchrony at : XXXX. 

8. Synchrony confirmed receipt of the letter confirming that it was a bank error and on XX/XX/XXXX still refused to reinstate my account. 

9. On XX/XX/XXXX, I called synchrony to investigate why the account was not reinstated as they confirmed it would be in the conversation on XX/XX/XXXX. After they had received the letter on bank letter head confirming it was a bank error and was told the two previous Synchrony representatives Id spoken to, were wrong and they would not reinstate my account. 

10. The person I spoke to on XX/XX/XXXX that was now telling me something completely different was : XXXX - XXXX ID XXXX XXXX. 

11. I explained to XXXX the entire situation and he acknowledged that the letter had been received and they were still refusing to reinstate the account and that the two previous representatives gave [ me ] the wrong information. I expressed my concern about this being a 180 turn and stressed that they had proof that this was not my fault. 

12. The account had been in good standing with no missed or late payments, ever. 

13. Closure of the account and refusal to reinstate had negatively impacted my credit report, which now shows a derogatory account closed by lender. No late payments are showed because there were none.