davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

WHAT HAPPENED I applied for an Apple Card on XX/XX/XXXX on my iPhone and provided a copy of my state identification card. I got an email the following day stating that my application was denied because " we are unable to verify your identification information ''. I checked the information and applied again on XXXX with the same result. 
I called Apple Card support ( XXXX ) on XXXX to find out what was wrong ( I have a XXXX XXXX so gave permission for my husband to speak for me ). The representative told me to check that all my information was correct ( on my iPhone, Apple ID etc ) and be careful with uploading my ID card. I tried again using the Apple website and again got the " unable to verify '' email. 
My husband and I carefully checked our credit reports at all three credit bureau ( XXXX, XXXX XXXX XXXX ). All our information was correct. The only possible problem could be that XXXX had our previous apartment number as current despite also listing the more recent unit ( we moved within the same building one year ago ). We contacted XXXX to make this correction. 
Before applying again on XX/XX/XXXX, I called Apple to check if it was OK to proceed. The rep encouraged me to do so but my application was again denied because " You have applied a number of times and we can not verify the information you have provided at this time ''. I called back and was told that I should wait a couple of days and then apply again. 
To be safe, I waited until XX/XX/XXXX before applying again but was again got the " ... number of times ... '' email. I called Apple again to ask why this had happened after I had carefully followed their instructions. The rep said that she would transfer me to Apple ( XXXX ) to get help with the identification process. The new rep said she was with Apple support, didn't know why I'd been sent to her, and would transfer me to " Goldman-Sachs XXXX XXXX In fact, this was back to Apple Card because, while the reps pretend they're speaking for the bank, they don't! This time, the rep told me that I should wait for 2-3 weeks before applying again. I asked to speak with a supervisor and explained the situation but was told she could do nothing. 
MY COMPLAINT Apple Card 's automated application system is like playing the lottery. Their representatives can not help and so are restricted to giving tips rather than providing factual advice to help customers solve problems that may occur. I was not told why my identification was unsuccessful, encouraged to try multiple times, and then prevented from applying again due to an unrevealed limit. This is not the way a serious and fair bank should operate. 
My husband applied in XXXX and was approved within minutes! We have the same addresses, high credit scores and income so why should I have so much trouble?
Consumer complaint received 2023-08-10
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. (PA)

XXXX XXXX XXXX XX/XX/XXXX Payment {$200.00} per month. on my credit reports it shows payment per month is {$0.00}. 
Also shows that my last payment was in XX/XX/XXXX. But it shows that I haven't made a payment since XX/XX/XXXX.
Consumer complaint received 2023-08-07
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: LEXISNEXIS (IL)

Ive disputed a XXXX XXXXXXXX XXXX  IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the LEXISNEXIS and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I found out the payment is gone through, but the previous complaint to XXXX XXXX XXXX XXXX did not go through. 

I just complained the payment. It looks like the payment went though with saved credit card by the amount of {$70.00}, before I would make sure the amount was right or not. Also, I tried to change this card to auto pay, but it did not work. I just want to make sure these questions, meanwhile, I will check whether the payment go through from the credit card side.
Consumer complaint received 2017-05-05
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: EQUIFAX, INC. (CA)

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Pr actices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against Equifax,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (CA)

INQUIRIES I NEVER AUTHORIZED AND ARE UNAWARE OF AND WANT DELETED XXXX XXXX XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX ADDRESS I HAVE NEVER LIVED AT AND WANT DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NAME I HAVE NEVER USED AND WANT DELETED D XXXX XXXX EMPLOYMENT I NEVER WORKED BEFORE AND WANT DELETED XXXX
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (KS)

On Thursday, XX/XX/XXXX I called my private student loan lender asking about lowering my monthly payments due to financial hardships. The woman who took my call was very hard to hear. I could tell she was working from home because I could hear children in the background. This made having a conversation very difficult. When I asked her about lowering my monthly payments she stated that that isn't an option with Mohela and that I would have to submit a hardship form. I asked where I could find the form on the website and she said it's not available online. She said she would email it to me. She was saying other information about submitting the form and what I had to include with it but I couldn't hear her due to all the background noise. I asked again, so there are no options besides a hardship form to lowering my monthly payments and she said no, but I could refinance with Mohela or another lender. The woman then asked if there was anything else she could do for me and I said I suppose not and she said have a great day and hung up.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, I have a CITI Bank checking and savings account. My Father, XXXX XXXX, and Mother, XXXX XXXX, have a joint checking account with me. On XX/XX/year>, My Mom and Dad have deposited two personal checks, each of {$50000.00} at the CITI bank ATM with their debit card. They received the fund availability letter ( attached ) from Citi Bank that the funds will be available on XX/XX/year>. However, on XX/XX/XXXX, I checked my Citi online banking and my Checking and Savings accounts had all disappeared and I could not see any of my statements and transaction history. My dad and mom 's online account shows the checking accounts have been blocked. My parents are XXXX  and have a XXXX, and that money is all their savings and is used for their medical emergency purposes. My mom right now is extremely worried cause her XXXX XXXX XXXX XXXX XXXX. It is unethical that CITI Bank blocked and closed the accounts without any reason and kept all the money without paying any interest. The money my parents saved in CITI bank is in urgent use and please refund us ASAP. Otherwise, if my parents go into hospital due to this incident all the medical expenses and suffering will be counted on CITI Bank. Since we have not done anything wrong. We demand that CITI Bank refund all our account balances ( around {$100000.00} ) with interest and give us the ability to access online statements as we need to check that all the previous transactions were correct.
Consumer complaint received 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e  ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( or in-action ) on their behalf has resulted in CURRENTLY FILING a small claims action agai nst their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX  & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2023-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA IN THE XXXX AZ AREA PHONE ME TO VERTIFY IF I GAVE PROMISSION FOR XXXX XXXX TO SEEK A LOAN IN THE AMOUNT OF {$5000.00} IN MY NAME. I HAVE NOT GIVEN ANYONE PROMISSION TO USE MY IDENTITY. THE ACCOUNTS IN WHICH SHE ATTEMPTLED TO OPEN ARE - XXXX AND XXXX. CONSIDER THIS A COMPLAINT. FOR I DIDN'T GIVE XXXX XXXX PROMISSION TO USE MY IDENTITY.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have filed numerous disputes with Transunion, XXXX, and XXXX over the past 60 days regarding inaccurate information on my consumer report, hindering my credit standing in obtaining credit. I have requested an investigation report and a re-investigative report to no avail. I was told that only consumer reports were given, not the investigation results. Transunion, XXXX, and XXXX must ensure their grave responsibilities to fairness, impartiality, and respect for my right to privacy. These consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information on my consumer report. This is not being done as I have to continuously dispute information repeatedly just for it to come back " verified '' with no information attached.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Unable to access my account through the XXXX app. I am a newly single mom trying to save money every way I can. I have complained to Capital One via social media, but I probably will not hear anything else about it. Why am I unable to use MY information how I see fit?
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CO)

I am unable to access my funds with the American Express Serve Acct. since XX/XX/2018. I was advised to cancel my card. Upon doing so I was also advised that i could pick up another card at the store to link it to my already opened verified full service use acct to have access to my acct. Now I have not received my card yet and have checked everyday since mon XX/XX/2018. I have been on the phone at least 5 times and talked with only 1 supervisor as one hung up on me before saying hello and have been hung up on by a couple other different reps for reasons I can not understand. I could if I was rude or degrading or offensive or cursing and threatening but I was loud and angry maybe but none of the others above. I am given no opinion for accessing my money. I even asked them to cover the overnight cost but was told no. I have a very awful divorce from an abusive man and I have court and need the last of my funds to my name for gas or he gets everything. I do not think it's right to be told no I can not access my cash I put on my card in an acct i opted to have with them. How can a company withhold me from my money. It's not a check pending or a credit card for cash advance it's a checking acct with a debit card. How can they tell me no I cant have my money. I cant even send cash to myself for a fee. So I even tried opening a new acct since I could link the card I bought and loaded with more cash per their advisement and I cant transfer it. I cant even close one acct and have the money deposited into my other American Express serve acct cuz it's in my name. I then got charged my monthly maintenance fee though I can not use the acct and they would not refund that either. I'm disgusted. I'm disappointed that a company like this is going to keep me from my cash deposited funds.
Consumer complaint received 2023-07-09
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: MOHELA (CA)

I filed a dispute concerning a student loan that has been discharged by the department of education. I have a letter to prove it as well. I have sent this letter to them multiple times through email and physically mailing and they have yet to resolve this issue. This has been ongoing since XXXX of this year. They re-investigated the dispute and all I keep getting is " updated ''.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Ive had this account XXXX years and my late husband served in XXXX XXXX XXXX and he was an honorable veteran and XXXX. 

Im currently receiving his pension checks since his death in XXXX 

Bank would not exist without people like him. End of that story. 

Now bank refuse to release the funds
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am trying to move and this XXXX  that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

I was banking with Chime As of today, XX/XX/2023, my account was closed for reasons unknown to my discretion. I am no longer allowed to log into anything via Chime. 

According to the company my account was closed for the following reason : Account does not comply with internal policies and/or the member agreement.

Further into reading this email I was extremely shocked to learn that it also states : At this time, you are not eligible for a refund of any remaining account balance ( s ) This is my only form of bank and all of the money I make goes to this account I had with Chime.

I had {$500.00} in my savings account and Chime is only saying I had {$100.00} available. 
l need this money, as I am entitled to it.
Consumer complaint received 2023-04-27
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.