davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, Equifax is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX XXXX states that they dropped ALL my retail credit card available credit to 95 % utilization because XXXX  shows a credit score of XXXX. I contacted XXXX and according to them they do not run and submit  credit scores to companies without approval from the client. Two. I receive monthly updates from all 3 credit bureaus and I HAVE never had this credit  score. I have called XXXX and they refer me to XXXX. Very interesting tactics. So where do they get credit scores, XXXX, not likely? XXXX XXXX   maybe, and you do realize that XXXX XXXX scores were compromised a few months back. No response from XXXX. No response at all. Nothing. Absolute garbage. This looks like we may have a repetitive pattern from XX/XX/2015.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

XXXX I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.XXXX no change.i was a victim of the Experian XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to Bank of America to cash a check that was issued to me from a client. Upon me attempting to cash the check, I was advised by the teller that she could not cash it. She went on to state that she could not cash the check, because I'm what they consider a NON-ACCOUNT HOLDER and it was over the limit for a NON-ACCOUNT HOLDER. That I would have to open an account with them or go to the bank that I bank with. I advised her that this was not legal. That if the check was drafted on a Bank of America check, and the funds are available, then she had to chase it. I then redirected myself to the branch manager hoping he could shine some light on this. I requested this policy in writing, because I knew it wasn't a law. She could not find it, however she still would not cash a legal draft. When have it come to in banking that they can force you in opening an account to get money that you have worked for or deposit your money when you are not willing to do so. This is not legal for them to do.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

my father opened a credit card with Capital one bank back in 2018 with my name and he missed two payments I've spoke to capital one bank and explained what happened and I requested to be removed of the system. the card still show on my credit report and it has negative remarks on my credit score, customer service told me that this card will be off my credit report with no negative remarks.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NM)

Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.
Consumer complaint received 2023-10-01
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: KEYCORP (NY)

Charges run from XX/XX/2022 to XX/XX/2022 - complained the entire time and now Key Bank refuses further action and is holding me responsible for the + {$4000.00} in charges and interest. Key Bank Did Nothing to protect me as a matter of fact I believe they allowed the false orders!
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.
Consumer complaint received 2020-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The Borrowing Club (CA)

I believe this company is a not trustworthy and a scammer. A person named XXXX cold-called me on Friday XX/XX/2020 from XXXX XXXX XXXX XXXX. He said he had previously contacted me via a letter mailed to me and talked to me about an updated financial relief program as of last week. He told me to call back at XXXX XXXX XXXX XXXX and he'll cover all my options. He said he had all my information on his screen already. 

I called them back and talked to a different agent, and then directed me to another agent who was from XXXX XXXX. He said I could qualify for at {$15000.00} or more loan. I provided my name, SSN, and mother 's maiden name over the phone. Afterwards, they sent me an email with a contract, which I digitally signed. After doing more research into their company, I realized I did not trust them. Their physical address in XXXX XXXX, FL on the XXXX XXXX XXXX ( XXXX  ) website was linked with 2 other loan companies : The Borrowing Club and Unsecured Loan Specialists. I realized I had made a mistake, so I am filing a claim against the company and to protect myself from identity theft. I have also made a fraud alert on my credit reports to protect myself.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MI)

Goldman Sachs will not transfer my Apple Card to my current Apple ID.

The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer.

Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID.

3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact.

At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (GA)

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Consumer complaint received 2023-07-26
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. (NY)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX ( " XXXX XXXX '' ). 

I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. I received another letter dated the same date notifying me they coundl not find any record of the inquiry. 

However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. 

XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. 

I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. 

I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. EQUIFAX also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. 

AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I had signed up for Transunion and when I wanted to cancel their website only provided a number to call. 

I have a XXXX XXXX  where I dont like being on calls with people. I did some research and I found people talking about their experience and how they were pressured into staying on a discount. All of this made me more XXXX  about calling to cancel. 

I then found on XXXX a link to cancel online. I was able to cancel online. 

I find it ridiculous that they have the capabilities to cancel online but they hide it and dont make it available to find on their site. I shouldnt have to use XXXX to find these things
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Metropolitan Home Mortgage, Inc. (CA)

I called and applied for a loan about 30 days ago. Have not heard from the loan officer about weather I could proceed with submitting documentation or denied the loan. 

He said my credit was top tier and I'd have to provide documentation. 

it's been a while since i last heard back from him and I got a phone call from the company soliciting to talk to another loan officer. I mentioned that I applied for the loan and wanted to get a call back from the gentlemen by the name of XXXX from Intelliloans. 

No response, no call back no letter of denial or anything.
Consumer complaint received 2020-05-29
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. (CA)

On XXXX XXXX I charged a cruise from XXXX  XXXX with their XXXX agent XXXX for {$8600.00} to my Citi XXXX card. We took the cruise in XXXX, however the cruise was not as described on the purchase contract. The itinerary specified was not possible as the boat provided was not capable of traveling the distances required in the time required, resulting in us missing photography of the rare bird of paradise, which was the purpose of this trip. The food was not as described, it was poor, myself and my husband both had food poisoning from the ship food - resulting in us unable to participate in scheduled activities for 2 days each. It was not just us, half of the 10 passengers also had food poisoning - this was a remote area, there is no other food, except food provided by the boat. I brought up both of these problems with the company while we were there and there response was sometimes this happens. That is not acceptable, we paid a large amount of money for a once in a lifetime trip and miss the point of trip because of their poor planning and spend 2 days sick in a small cabin. I disputed {$2500.00} of the trip for the days we missed that were the travel providers fault. Citibank immediately denied the claim stating " we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. '' I replied to citibank and alerted them to the cardmember agreement " If you are DISSATIFIED with the goods or SERVICES that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay '' I have received no further response. I have not received the services I paid for, I expect citibank to protect me as specified in the cardmember agreement. This is particularly disturbing since I am a XXXX client and the card I used, Citi XXXX, has a very high annual fee of $ XXXX. I am paying for Citi to support me when I need it, I dont think I have ever disputed a purchase before, and the one time I need their help they don't even follow the rules of the cardmember agreement.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX  made an error and changed my address which resulted in an increase in taxes for a lease payment. It took six months for XXXX XXXX  to fix the problem, it was fixed In XX/XX/XXXX. XXXX XXXX ended up owning me a credit back and told me to deduct that amount from what I owed in XX/XX/XXXX, which I did. However, they did not issue the credit in time. And in XX/XX/XXXX, they caused my account to go 30 days past due. I called again in XX/XX/XXXX and they finally put the credit on my account. A late payment showed up on my credit file I tried to dispute it with transaunion to no satisfaction.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I had a XXXX credit card. The account was opened XX/XX/XXXX and closed on XX/XX/XXXX. My credit report shows 100 % of payments were made on time. Within the last few months, I started getting late fee charges. I wrote a letter to Comenity/XXXX asking for an explanation and accounting of the charges. I didn't get a reply although I did get a single statement sent to me without any information or breakdown of the charges. I have not received any additional statements but according to my credit report, the balance on that card continues to increase due to late payment fees. I haven't had the card in nearly 9 years so I can't give the credit card number in order to speak to someone on the phone and my correspondence went unanswered.