davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 My credit was ran without my consent by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MA)

Made an extra ( nonscheduled ) of {$100.00}. Payment did not go through ( claimed error in bank information ) .Synchrony never notified me.I only found out when I discovered a {$30.00} charge. Five different agents at Synchrony informed me that it was impossible to reverse the charge. The 6th person supposedly was able to reverse the charge. If there was a problem with my bank account number they should have contacted methey have my email address. I had to call 6 times since they kept disconnecting my callI was never called back and had to call them again and speak to a new representative. 

Additionally the credit card is black with beige letter. The font is so small that is impossible for me ( XXXX y.o, ) to read.especially the telephone number. After a dozen complaints, I was informed that they have a large font card. 10 days later when the new card arrived it was the same tiny font card I already had. I had to call and was told a new large font card would be sent. Today during the conversation about the {$30.00} fee, I inquired about the replaced card and was told that they had no record of my request for the large font card. 

Whenever there is a problem.it is nearly impossible to get anyone at Synchrony who is willing to try to solve it
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EASTERN BANKSHARES INC (NH)

I received a notice that my bank, XXXX XXXX, is being merged with Eastern Bank. I received a notice that as of tomorrow XXXX, all records of my previous checks cashed or deposited will no longer be available. 

As a consumer that was " encouraged '' to sign up for on-line banking, losing this function and information impacts me directly as I am unable to access information that may prove that I have paid a bill or dispute a charge. This information should still be available regardless of who is now running the account.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HORIZON BANK (MN)

First horizon began calling me in XXXX, I got a missed call from unknown number so I didnt answer. Voicemail said it was underwriting department and I was missing documents to fund a loan. I thought ok, maybe mistake. I havent applied, inquired, or anything. A week later I got another call. I again didnt answer, voicemail again says underwriting is missing documents for loan. Now Im panicking Im a victim of identity theft, I havent applied for loan. I call back to see whats going on. The guy tells me It was marketing calling are you interested in a loan I said no, this said it was underwriting needing documents Im worried my information was stolen can you check, he said it was just marketing. I said I dont want a loan and he hung up on me. I called back and the individual said same thing and tried to sell me a loan I said no, and thats not what the message says and he said ok I can remove you. However, thats very deceptive.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

I have been using Wise for over XXXX years to send money to relatives and friends who are XXXX XXXX struggling to stay alive in XXXX XXXX 
XXXX person has XXXX XXXX and I have been paying for their XXXX by sending {$170.00} every month to pay for their health insurance in XXXX. 
Another person and her daughter are now in XXXX XXXX person has had a XXXX XXXXXXXX XXXXXXXX XXXX and a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX She now has had XXXXXXXX XXXX  to stop any chance of her getting XXXX again..Her daughter who is with her I sent money for room and board, but because Wise has had my account on hold lost her place to live and is now living in a XXXX. 
The third person is like my step daughter who is in XXXX trying to sell the apartment that her mother owned that was given to me as payment for all the help I have given her over the last XXXX years ... It has been shelled by XXXX XXXX and I have had to make numerous repairs to get it ready to sell.. 
I have been doing business with Wise for over three years with no big problems.As of XX/XX/XXXX I was able to send money. XX/XX/XXXX happened and I have been utterly, miserably stop from helping support these people..Wise has claimed that due to bank regulations they had to review my account..I have given them proof that they needed and have called everyday to their support team and nothing has been done..I asked for my money to be returned and they claim they can not do that until their checking is done..For 12 days they have tied up over {$1200.00} of MY money ... I am tired of their excuses and do nothingness. 
That is why I am writing..People are starving and helpless without me..Enough is enough.. 
I am a XXXX XXXXXXXX XXXX, I also have a spouse who had XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX..I do not deserve to be treated like a criminal.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX Equifax XXXX Subject : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act. 
As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. These late payment that is reporting is a result on a systematic error on their end processing my payment. 

These was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (WA)

According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I've been trying to rectify erroneous information on my credit report through Experian for the date below for quite some time now. Each and every time I dispute the information below, Experian returns a result of " verified ''. The information is incorrect and most recently, I reached out to Experian for the specific methods used to investigate my dispute and the response was the same. This erroneous data below does not belong on my credit report and Experian is not following the CFPB Guidelines for investigating a dispute. Experian has not provided the requested information regardless of my specific ask as to how this information was verified. Below is the letter I sent to Experian 's attention by Certified Mail. The receipt is attached. Thank you for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account previously in dispute - investigation complete, reported by data furnisher XX/XX/2023 to XXXX XXXX XX/XX/2023 Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX DT XXXX XXXX  XXXX The account mentioned above was recently disputed due to the inaccurate information it contains. Experian returned the dispute as a Verified Status. 
Please provide the requested information below according to the Consumer Financial Protection Bureau. 

ALL information in my Consumer File along with all applicable data regarding the dispute listed above. 
Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in my Consumer file at the time of the request The name of the person who investigated the dispute XXXX XXXX XXXX The methods that were used to verify the disputed information XXXX XXXX XXXX The results of the investigation XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (TX)

Hi, Last XXXX I came across a great deal on shark clean for an air purifier, big discount and 0 % interest over 6 months. I had no idea itll be reported as a consumer finance loan on my XXXX credit report. First surprise was the purchase being reported as consumer finance loan, permanently marking my otherwise great credit profile as risky. After completing the payments on time, I reached out to Affirm, explained how their small paid off loan is resulting in a XXXX points drop on my credit report, banks are declining my credit increase requests and I fear Ill be penalized for it as I get ready to buy a home. Affirms call center simply kept me on hold before disconnecting the call after a wait of XXXX minutes, twice. The only feedback I got was affirm reported it as per policy. I wouldnt have gotten this small loan if I knew itll be reported and would be considered a risky consumer finance loan. The categorization of the loan was not mentioned anywhere in their documentation I understand their mandate on accurate credit reporting but penalizing my whole meticulously manage credit profile over a {$200.00} paid off loan is just not fair. XXXX and buy now pay later industry needs to get their act together, agree on a suitable category for such loans before they penalize consumers for not very transparent gotchas they got hidden in their agreements. 

I request that affirms consumer finance loan entry be struck off my XXXX credit report in good faith, helping me ensure I can buy and afford a house for my family at favorable rates I deserve based on my real credit profile.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IL)

XX/XX/XXXX I went to an ATM to withdraw {$200.00} and when the ATM was about to dispense the money, the ATM shut down and restarted. I never received the money and when I filed the dispute with Chime they denied it twice. I emailed them and asked for the steps they took in deciding to deny both claims and I haven't heard back from them at all. It's been a few weeks. I never received a receipt for the transaction but it shows on my account that I did receive the money.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is reporting inaccurate information on my credit even after I have sent them proof that the furnishers they claimed verified the account sent me letters saying they do not and did not verify or update this account and XXXX removed it because they couldn't verify it. I sent both letters in to Experian pointing out the inaccuracies and the letters of proof of being unverifiable and they still said they verified the account which is imposable.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Called Citi cards at XXXX Pacific time on XX/XX/XXXX to discuss options to covert my annual fee XXXX  card to a no annual fee card. After agent sent me the required disclosures I had questions before accepting the conversions as I would have points lost, so wanted to explore other options for credit card conversion. Instead of providing additional information the agent refused to repeat information, said I only had one minute to figure out options myself, and then would " hang up '' - I said I was looking up the information since he could not provide it to me. Instead he put me on an endless hold for a few minutes ( clearly waiting so it would look like I hung up on him instead of him hanging up on me ) and then eventually disconnected the call. This is not the first time Citi foreign call service agents have utilized the tactic of placing consumers on endless hold to avoid helping them deal with issues so that it looks like the consumer hung up on Citi and not the other way around.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (CA)

There were XXXX unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by XXXX and CB INDIGO i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

There is many inaccuracies being reported to my credit report such as 3 different date reported, 3 different date late activity, 1 last verified and 2 blank spots, 3 different account status, XXXX shows open, XXXX shows closed and XXXX shows open 120 days late, collection companies cant report a payment history or late payments
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to secure my free annual TransUnion credit report from XXXX XXXX XXXX since XX/XX/2019. I also tried to secure it on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time I have received the same message -- TransUnion is experiencing " technical difficulties, '' and I should try back later. I have made my requests at all time so of the day, from early morning to mid-afternoon to lat at night. Given the number of attempts that I made, it is inconceivable that I just happen to be making my requests when TransUnion 's system is down. It would appear that TransUnion is knowingly allowing its system not to operate or is being grossly negligent in maintaining it. In either case, federal law gives individuals the right to get an annual free credit report, and XXXX XXXX XXXX has been established to facilitate this. No credit bureau should be allowed to negate this right by failing to provide and maintain an operation system for accessing one 's credit report.
Consumer complaint received 2024-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

I opened a CD account onXXXX  at 5.4 % rate for 12 months before the account reached maturity the bank closed my account and notify me with an email on XX/XX/year> I called and asked the bank the reason for closing my account, the bank responded security reasons but they could not tell me why. I transfer from XXXX XXXX to BMO after 10 calls I realized there is no one to help me I gave up with 1 hour on the phone every time. Finally, they sent me a check for the amount of {$49000.00} and deducted {$1200.00} from the original amount of XXXXthey are frauding senior citizens like me for no reason. they can not provide any documents I closed the account or request an early withdrawal. I ask them to send me any proof they have nothing was send to me. 

thank you XXXX