davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

Have had cc since XXXX, always paid bills on time. Suddenly card was denied XXXX in the past XXXX hours, once for {$900.00} charge and once for {$480.00}. I called Synchrony Bank to check on reason, was put through a ridiculous amount of 'checking ' to insure it was really me ( I was calling from the phone listed on the account ). Asked for my name XXXX times, address on card, business name on card, last XXXX of social security number. All answered correctly. Then asked for cell phone number, which I supplied. Then I got a text on the cellphone with a link, which I followed. Synchrony wanted me to take a short video of myself for their records, so I tried. But camera in cellphone was not working, tried several times. Finally said this way was not working, so what other way was there for me to prove it was really me...? Only answer from them was they would mail me a code, which would take XXXX - XXXX days to arrive. In the meantime they refused to discuss the account and I could not determine the problem. Both my account and my wife '' s are being refused for charges. We use this card as our primary credit card.
Consumer complaint received 2023-05-20
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. (FL)

I am writing to urgently request the removal of fraudulent accounts, names, and addresses from my credit report in accordance with Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. Upon careful review of my credit reports, I have identified multiple accounts, names, and addresses that are invalid and have been wrongly reported. These inaccuracies are significantly impacting my creditworthiness and financial well-being. I kindly request your immediate attention and assistance in resolving this matter and ensuring that my credit report remains equitable to me.

Account Information, Names, and Addresses to be Removed : Accounts : XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX [ Account Number : XXXX ] Addresses : XXXX. XXXX XXXX WY, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX I understand that resolving disputes may take time ; however, due to the urgent nature of this matter, I kindly request that you take immediate action to remove the disputed accounts, names, and addresses from my credit reports within 4 business days. It is crucial that my credit report accurately reflects my creditworthiness and financial status, as mandated by Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2.

I have provided supporting documentation, including proof of my correct address and any other relevant information, to aid in the swift resolution of this dispute. I implore you to review the evidence provided and expedite the necessary actions to rectify these errors within the specified time frame.

Furthermore, I remind you that according to 15 U.S. Code 1681s2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is imperative that accurate and up-to-date information is reported on consumers ' credit profiles, and any violations should be promptly addressed to protect consumers ' rights.

I appreciate your immediate attention to this matter and expect a written confirmation once the disputed accounts, names, and addresses have been removed from my credit reports within the requested timeframe. It is my expectation that my credit report remains equitable and reflects accurate and valid information.

Thank you for your urgent cooperation and assistance in resolving this dispute. I look forward to your prompt response
Consumer complaint received 2021-03-15
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. (FL)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I had my check that was mailed to my utility company stolen out of a US mail box in XXXX XXXX, NY back in XX/XX/2018 and the check was fraudulently altered by someone and was deposited in that persons account into a XXXX  XXXX XXXX. I found out about this incident a month later and immediately notified my bank Citi Bank and they filled a report with there fraud department and they told me that they will investigate and credit me the amount that was taken within 90 days. It is now over 120 days and I have been calling them on a weekly basis and they are not giving me my credit because they are claiming that they are still waiting on XXXX  XXXX XXXX to respond to them, and until they don't respond they can not give me any kind of credit not even a provisional credit. I would like to get this credit from my bank Citi Bank. A copy of the cashed check is attached here for your review. 
My case number with Citi bank is XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a Citi XXXX XXXX XXXX Account in XX/XX/XXXX. This was in response to an offer mailed to me by Citibank. The terms of the agreement were that if I deposited {$10000.00} and left it on deposit for 2 months after the month of the initial deposit, I would receive XXXX XXXX XXXX air miles. The terms also included a statement that Citi had 90 days to deposit this award and the funds must still be on deposit. 

XXXX ) I assumed the miles would be deposited in less than 90 days because prior awards with other banks, credit cards, have been much more prompt. I called during the 90 days and was told they had until XX/XX/XXXX to award the miles. This is bait and switch. In actuality the offer should state that you must keep your funds on deposit for at least 150 days or 5 months to receive the miles. 

XXXX ) I called on XX/XX/XXXX and was told the miles would be deposited in 5 - 7 working days. 

XXXX ) I called again on XXXX and was told, without fail, the miles would be deposited by XX/XX/XXXX. ( Now the funds have been on deposit for half a year without the miles promised. ) 4 ) It may be obvious but, to date, the miles have not been credited.
Consumer complaint received 2020-12-18
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: BARCLAYS BANK DELAWARE (NC)

Purchased a bed from XXXX XXXX  They delivered the bed in damaged condition with stains all over it. While the delivery guys were still at my house I sent the salesman 17 photo 's of stains on the bed as well as damages the delivery guys did to my house. The delivery guys refused to take the bed back with them and left before I got off the phone with the salesman. XXXX XXXX submitted a FORGED Delivery Receipt with a signature that is supposed to be mine but isn't mine. In fact it just looks like a big " XXXX ''. It's absolutely ridiculous!!! So my credit card ( Barclays ) originally credited me for the purchase price of {$1300.00} but then they turned around and gave XXXX XXXX  back their money. I called XXXX XXXX XXXX  Corporate Office on the day this mattress was delivered and complained also. XXXX XXXX refused to come and pick up their mattress so I brought it back to their store myself. So at this point I am out {$1300.00} and have no bed!!!! THIS IS INSANE!!!! The NC Attorney General Is working on this also Case # XXXX XXXX XXXX. I'm filing this complaint in Delaware because my credit card 's HQ is in your state. Barclays XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2023-03-19
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)

In accordance with the Fair Credit reporting act.The list includes f the accounts below has violated my federally protected consumer rights privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. U.S.C. 1681 section 602 A. Staes I have the right to privacy.

15. U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (VA)

I called to payoff my account last week and first I was hung up on 3 times once connected. Then I was told I could not make a payment due to my account being flagged for fraud. No one has contacted me regarding any fraud. I did not report any fraud to them. The rep asked for my phone number and asked if I had ever used a different number that is showing up on my account. He could not give me any other info so I requested a call from a supervisor. I called today to check on my request as I have not recd a call back. The fraud issue has not been resolved, nor was it escalated for review during my first phone call. I still can not payoff my account. Their online system will only accept minimum payment amounts not a payoff. I feel they do not want me to pay off my account early.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.
Consumer complaint received 2023-05-20
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. (PA)

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666a : 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. 

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Consumer complaint received 2023-05-28
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. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.
Consumer complaint received 2023-07-17
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion 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 2023-07-16
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. (MD)

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to one company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.