davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

In XXXX I opened a XXXX XXXX card, there was a promotion at the time of opening the card and that was receive XXXX % off your first purchase. When I ordered the watch the rep charged me the full amount of the price of the XXXX. I have XXXX  over the last XXXX plus months to both XXXX XXXX and synchrony bank to have this resolved. Over the course of the time XXXX XXXX had said the credit had been issued but the bank keeps telling me they havent received anything from them to warrant the {$100.00} credit. I have a case number from XXXX XXXX that I have supplied to the bank and they are still refusing to issue the credit against my card. The case # XXXX. All the information is contained in that case number to justify issuing credit against my card. To date this still has not been fixed, it shouldnt take 5 months to resolve this issue and I need some help in getting this resolved please.
Consumer complaint received 2023-01-22
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. (OK)

There is a bankruptcy XXXX XXXX  being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.
Consumer complaint received 2020-01-17
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. (GA)

Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and provided documentation time and time again but EXPERIAN doesn't seem to understand that verifying a Fraudulent Account means nothing. So at this point I demand the following accounts be DELETED under Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX  XXXX  1 per Section 553 ( c ) ( codified at 50USC 3953 )
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union ( NFCU ) NFCU could not track deposits because the bank lump all desposits on same day into one full amount and NFCU tellers had problems locating deposite amounts had taken 3 days and management to get involved. Also, moved money out of pending then place it back in account to clear another item. I never heard of any financial institution moving money in and out of pending just to place it back as not clear. If I could rate no star I would.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed hard inquires on my Equifax credit report that were inaccurate. I called Equifax on the XXXX and spoke to an agent named XXXX ( agent number XXXX ) and explained to her that these inquires were inaccurate because I never authorized them. She said told me that there was nothing she could do about it. I sent a letter to Equifax and have yet to get the problem resolved.
Consumer complaint received 2020-01-17
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. (GA)

Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (OK)

I tried to get into my account and I miskeyed my duo authenticator. When I tried to enter the correct number, my account was immediately disabled. It 's been two weeks and I have yet to receive a meaningful reply from the company ( Coinbase ). I want to regain access to my account as I have money locked inside it. Case XXXX
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (VA)

Flagstar payment processing rules are designed to extract the most amount of fees from customers. Every few months they would change the payment amount on a fixed rate mortgage, even when the payment is sent on time, the bank would not process the payment intentionally so they can charge you a late fee on the full amount while holding onto the money. This is a ridicules practice that is borderline fraud and should be illegal..
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Account : 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion and XXXX have been informed of my identity theft victim status, and documents have been submitted to them multiple times. However, they continue to report unauthorized inquiries on my consumer report. I have not approved any inquiries that do not correspond to an open account on my credit report. Additionally, XXXX disputed these findings and provided results on the same day, which seems implausible given the volume of inquiries that appeared simultaneously. These fraudulent inquiries must be promptly removed.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

under Experian membership program offers are sent to apply for credit without effecting credit score, but the instant you apply it effects/decrease score. I have called Experian and spoken to XXXX representatives from membership to Disputes and none helped, they kept giving me different numbers to call.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NC)

Hi, I have recently come to the XXXX to finish a XXXX XXXX under a student XXXX XXXX. Ive had an american express account in XXXX where Im from, so asked american express XXXX if i could open an account in the XXXX, transfer my credit history and get the same account tier even if i wasnt a permanent resident nor had us based income ( i get paid by an off shore company on a XXXX XXXX account ), and i got told they will just get my history from amex XXXX and it was no issue. I used my passport for id verification ( passport number XXXX ). I linked my account to a XXXX based bank account that i opened with XXXX. 

It took a while but i finally received a card on XX/XX/2022, started spending, received my sign up bonus, paid for my membership fee and added an authorized user to my card for an extra fee. After it was all set up i called and asked if there was something i should now about the status of my account before i close my XXXX  account ( not wanting to pay 2 membership fees ). I got told it was not an issue and i should just call amex XXXX and get them to transfer my points and close my account. 

I did that, and 4 weeks later ( XXXX XXXX ) i receive a call from American Express financial review team asking me to provide evidence of a XXXX based income ( which i had never been asked for before ). When i explained my situation i got told that my account will be canceled in 3 weeks ( XXXX XXXX ) and there was nothing they could do, and that it means i got given wrong information when signing up. 

Looking online, i cant find any information indicating that i need us based income. Calling customer service again, i got told that i couldnt keep my card, couldnt get a prorated refund of the membership fees ( XXXX total fees paid ) and couldnt keep my sign up bonus. 

I am really disappointed and fell ripped off as they started that because Im cancelling my account Im not eligible for any refund, but Im not cancelling myself, they are cancelling my account.

It really feels unfair to me, especially given the fact that i have been honest about my situation from the beginning, that i have always been told it wasnt an issue and i have now canceled my other account and transferred everything here. 

EDIT : i found out by seeking help online that it has been happening to several other people, all of them on XX/XX/XXXX Im looking for help on this matter as it really feels shady to me, they are not giving me any information on the process, no possible solution, no heads up that this was gon na be an issue, and a very short time frame to get my stuff in order ( probably wont have my XXXX account opened up and running again to transfer the points before my account is canceled ).
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NY)

XX/XX/ Dear BULLCITY FINANCIAL SOLO Per the fcra I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nin verbal per 15 usc6802.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citibank has blocked my debit card few times and I verify my account through my phone number at least 3 times and and I was making few small purchases through XXXX XXXX   and today on XX/XX/2020 Citibank is unable to verify my phone number which its kinda weird and I unable to use my debit card and I was told that I have to wait one hour for a security code but Im so sick of this and they keep blocking my card and they refused to close my account and withdraw all of my money .... and they kept blocking my card and I had the same phone number for little over a year and Citibank told me that my phone number was brand new and they unable to verify me ... but they did in the past and they refused put out my money out of the bank and I want to switch banks
Consumer complaint received 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

My student loans were serviced by Navient. Circa 2012, Navient representative informed me that I needed to consolidate my loans in order to participate in the Public Student Loan Forgiveness Program. They informed me that I would need to make 10 years of consistent payments after which the balance would be forgiven. I allowed the consolidation to occur and immediately began making monthly payments. After learning of the recent lawsuit by CFPB, I transferred my loans to the Department of Education. That's when I learned that Navient deceived me and that none of my payments are eligible for the loan forgiveness program. In addition, amounts directly deposited with Navient by my employer were never credited to my account. Over the years, these amounts average a total of {$12000.00}.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK (TX)

I opened a checking account online with XXXX XXXX XXXX on XX/XX/XXXX. Per the terms and conditions of the promotional offer that I received, a bonus of {$300.00} was supposed to be paid after enrolling in online statements and using the debit card for five purchases by XX/XX/XXXX. The bonus was supposed to be paid by XX/XX/XXXX after all criteria were met. I completed these tasks 0n XX/XX/XXXX, but after the bonus did not post, I called the company today, XX/XX/XXXX. After speaking with XXXX XXXX in the 'phone loan ' department at XXXX XXXX, XXXX XXXX AND XXXX XXXX, he informed me that the company would not honor the bonus, despite me fulfilling all of the criteria for the promotional offer to be paid. Additionally, even though the terms of the promotional offer CLEARLY state that the limit is " Limit of one new consumer checking-account-related bonus per household per calendar year. ", and admitting that I had not received any form of bonus yet in the calendar XX/XX/XXXX year, he said that the bonus is supposed to be on a rolling year basis. Per XXXX dictionary, one calendar year is 'the period of 365 days ( or 366 days in leap years ) starting from XX/XX/XXXX, used for reckoning time in ordinary affairs. ' This is absolutely unacceptable. This is false advertising and intentionally deceptive on the part of the bank, and the bank is going back on promises and not paying promotional offers that customers are rightly due, because they believe that customers will simply forget. This is very unfair.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank is grossly mishandling a fraud claim. They refuse to reimburse me the amount of {$150.00} that was stolen from my account on XX/XX/2022 via debit card transaction. When I filed a fraud claim with Citizens Bank they erroneously made a stop payment for a transaction that I authorized to XXXX XXXX XXXX XXXX on XX/XX/2022. At this point I explained to them that an error was made and I filed a new claim for the correct transaction that was definitely fraud. Now citizens Bank has told me five times they refuse to honor the claim because it is a duplicate claim. It is not a duplicate claim. The banker who filed the original claim made an error. Now they are refusing to refund my money.