davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (GA)

On XX/XX/ 2018 both Synchrony bank and ourselves realized there was fraudulent activity on our card. We reported this activity on XX/XX/XXXX and it was resolved on XX/XX/XXXX. However, Synchrony bank failed to inform us, yet they continued debiting our bank account for the minimum payment in the month of XXXX and the month of XXXX. During the month of XXXX and XXXX we received no correspondence from Synchrony bank. We didnt receive new cards, paperwork regarding our new account details or any information letting us know the case had been resolved. In XXXX we called again asking about the fraudulent activity and the new cards, again they told us they would be sending out the information and we would get the new cards and the account resolution, but XXXX came around and still nothing. At the end of XXXX we received notification via email that we had to pay a minimum of {$670.00} on a {$16000.00} credit card statement. How was this possible?? We had no card for two months and no resolution to the fraudulent activity. Moreover our balance was only limited to {$12000.00} and we had only spent {$5000.00} prior to the fraudulent activity. So we called again on XX/XX/XXXX to ask about the charges, and we also noticed that the control number had changed of which we had no access to. On theXX/XX/XXXX they also direct debuted {$670.00} from our account as a minimum charge for the {$16000.00} worthy of fraudulent activity. We called them again on the XXXX if XXXX and XXXX of XXXX. They then thought we were opening a new case and when I called them on the XXXX they had no justifiable reason for why new cards had not been sent out, our case had not been resolved, and no correspondence had been sent out regarding the new account details or a resolution to the fraudulent activity. Even though the case had been resolved on XX/XX/XXXX, they still transferred the {$16000.00} from one account to the new account and transferred over the direct debit on our bank account. The last time we spoke to Synchrony bank was XX/XX/XXXX. It is now XX/XX/XXXX and they still have not sent us new cards, they still continue to debit our bank account for the {$16000.00} worth of fraudulent activity, and there still has been to correspondence regarding the new account details. We got these credit cards through XXXX XXXX and when we have filled these complaints with XXXX XXXX, they just send us to the bank.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I have a promotional balance on my Chase credit card account with 0 % interest for a promotional period. that period is about to expire. I asked how to pay the remaining promotional balance before the period expires to avoid the interest for the entire period being added onto my balance in a lump sum. I was told that because they apply all payments above the monthly minimum to the amount with the greatest APR that my promo balance can not be paid off by request and additional payment and that the only way to avoid the additional interest was to pay the total account balance. This is NOT how any of my other accounts work nor was this included in the promotional information. If I send a payment and ask to have it applied to a promotional balance, it is. That is how you are able to avoid interest for some of the balance. It is completely unfair for Chase to require the total balance to be paid to avoid interest on a promotional balance. They should allow the promotional balance to be paid when ever the customer wants to send a payment in addition to the monthly minimum.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
BANKAMERICA XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Consumer complaint received 2019-02-19
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: AES/PHEAA (VA)

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX XXXX XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged.

Following my receipt of this letter XXXX XXXX and XXXX reported that the loan was closed and reflected a XXXX   balance. This raised my credit score to over 800 and " Exceptional. '' XXXX continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect.

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX  and XXXX  and never with XXXX?

Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to request your help in rectifying a problem I discovered which is adversely affecting my credit score. Some months ago I looked at my credit score through XXXX XXXX and was appropriately shocked to discover the amount of the school loan I owed was doubled what I actually owed. I tried initiating a dispute through XXXX XXXX and Equifax, contacting XXXX XXXX in XXXX XXXX Servicing but I couldnt get to the bottom of it. I graduated from XXXX XXXX of XXXX after transferring from XXXX XXXX after three semesters. I acquired Pell Grants, scholarship money and through an appeal reduced tuition at XXXX XXXX due to financial hardship. I kept good records of what I was borrowing. My recordkeeping indicated I would owe around {$27000.00} plus any interest in addition to a XXXX XXXX. Imagine my shock to discover XXXX XXXX show the old almost {$60000.00}! I contacted the associate director of financial aid at XXXX, XXXX XXXX XXXX, who was kind enough to investigate although I had already graduated. In addition, my family and I started making payments to XXXX XXXX in 2016 before I graduated and I have to this date paid over {$6000.00}. I have paid over {$500.00} on the XXXX XXXX. In the meantime I received correspondence from different sources telling me that I dont have a great credit score which has dropped considerably indicating that I am not a good credit risk when I am very diligent about paying all my bills. I do not have outstanding large credit card balances. This has caused me a great deal of distress and XXXX  because I pay my bills on time and know exactly what I owe in school loans. I have worked hard even during the pandemic to stay employed and stay current and all payments. I hope you can help me clear up the situation. Sincerely and with thanks, XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NM)

My access to my account with Coinbase , Inc. was made un-accessible via the Internet.  When I tried to re-establish the connection, I was told to establish a " temporary '' account, and submit a picture id ( drivers license ). After some difficulty, I did as advised, but I still have been unable to get access to my account. Coinbase will not accept telephone calls nor will they call the consumer. I have been trying, to no avail, to access my account and Coinbase will not respond to my requests for assistance in re-establishing my connection to my account. 

I have made an initial contact with the XXXX XXXX XXXX Attorney, and they advised that my first step is through your office. 

Apparently, I am not the only person with this similar compliant.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

RE : Bank of America - XXXX XXXX XXXX at XXXX am EST I did an international money transfer from my savings account to my French bank account. Almost immediately I received this saying the transfer was in process : Confirmation # : XXXX Amount : {$5500.00} To : XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX EUR Send on Date : XX/XX/2022 Service : International However my XXXX  bank only received the funds today at about XXXX pm EST. As a result I could not pay my rent and other bills until I took money out of a ATM machine from my checking account to deposit in the XXXX bank. There was no warning that this transfer would take more than an hour or two to process - in fact it took XXXX full days. I tried every BoA number I could find and no one would help me- they said I had to call the special number which constantly disconnected me. One person gave me the WRONG number for BOA transfers. 
This has been a constant problem with the Bank of America- the only way to get customer service to even talk to you is to call the credit card number and claim it was stolen. And then they usually won't help as " that is another department. '' When I have problems I have been told to come to the bank- I live in XXXX so it is not an option. Once when I did lose my credit card the morons sent me another card with the same number. By the time I figured it out someone had charge over XXXX euros. Then I was told there were several amounts that I had to go directly to the business ( in this case it was XXXX, fr ) to get my money back. So we were out several XXXX XXXX. 
Also they ask for an account number to get you to a human- we have XXXX accounts = by the time we finish typing in the second account number we are ALWAYS disconnected.
Consumer complaint received 2020-06-18
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. (CA)

Equifax has kept reporting inaccurate information on my credit report. I have informed equifax that the collection account reported to equifax by XXXX XXXX XXXX XXXX and XXXX XXXX company dont belong to me. Equifax has kept saying that they investigated the accounts and that these accounts belong to me which is not true. The information equifax is reporting on my report is inaccurate. The FCRA requires credit reporting agencies to report accurate information and to update reports within 30 days. Equifax has failed to follow this law.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian is not reporting a payment on an account ( XXXX ) on my credit report. My payment history is missing a payment for XXXX, which was paid on time. I have reached out to XXXX. They claim they are reporting to Experian accurately.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.
Consumer complaint received 2017-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MI)

XXXX XXXX. Someone from XXXX hacked into my western union account and sent from my bank XXXX. By the time I got email about it person picked up money. Then I get a receipt sent to me from someone who used western union to send me XXXX back from XXXX, unfortunately western union has no record with that tracking number. I immediately after each incident called western union and or my bank. 
Western union response was to send them documentation of both transactions to start investigating. 
Unfortunately because stolen money was picked up I could n't cancel transaction for refund and other transaction nothing but apology. 
My bank on first fraudulent transaction could n't stop payment because used my card number.
Consumer complaint received 2017-11-02
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. (NY)

I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about experian and XXXX credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and experian and XXXX should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

The debt in question is older than 7 years and should be removed from my credit report. 

The company is misrepresenting the amount of time it has been since the first late payment was made. 

The first late payment to the client was made in XX/XX/2016 the debt collection company is attempting to state the first late payment was XXXX of 2016. 

This is not true I was evicted by XXXX of 2016. 

An item should be removed from a credit report 7 years after the first late payment is made.
Consumer complaint received 2017-11-02
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. (NY)

I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about XXXX and transunion credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and XXXX and transunion should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have contacted Equifax on 3 occasions in reference to inquiries I did not authorize. I have also requested a copy of the application, showing my signature and authorization for my credit profile to be issued. I have not received any information as requested and the credit bureau has refused to remove the inquiries from my report. I have provided the bureau with a copy of my identity theft report. XXXX  has investigated the information as requested and removed the unauthorized inquires. I request the following be removed immediately. They have violated my rights under the Fair Credit Reporting Act. 
1. XXXX XXXX-XX/XX/XXXX 2. XXXX/XXXX-XX/XX/XXXX 3. XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX XXXX-XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX XXXX-XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11. XXXX XXXX XXXX-XX/XX/XXXX 12. XXXX XXXX XXXX-XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX XXXX/XXXX XXXX -XX/XX/XXXX 15.XXXX-XX/XX/XXXX 16.XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX-XX/XX/XXXX-listed twice 18. XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX XXXX XXXX-XX/XX/XXXX 20. XXXX XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc. (MI)

I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??
Consumer complaint received 2019-03-01
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. (GA)

I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed, XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( Equifax XXXX and XXXX )
Consumer complaint received 2017-11-02
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)

A previous defaulted Perkins loan due to Texas XXXX XXXX XXXX University is still being reported as in collections as of XXXX despite it having being paid off via a student loan consolidation taken out in XXXX. I disputed this early this month and the result shows an alleged updating but it is still in collections. I have separately contacted the creditor XXXX XXXX via their chat function, they have confirmed that the debt is paid.