davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

At the end of XXXX I received an upgraded credit card from Synchrony Bank Care Credit. They said they were upgrading me from the store card to the master card. The mailing did not clearly state that it would be a fully new account that would damage my credit score. 

I activated the card in the last couple of days of XXXX. Yet the account listing on my credit report says it was opened XX/XX/2019, this means that care credit and synchrony Bank fraudulently opened an account in my name. 

On XX/XX/XXXX I logged into my synchrony Bank Care credit account and was discovered that I had two open accounts listed with two different credit limits. The original synchrony bank care credit store card with a limit of {$12000.00} and the master card version with a {$7000.00} limit. 

On XX/XX/2019 I used the synchrony bank website customer service chat to ask about the accounts ( note I am still waiting for a transcript of this chat ). The agent told me that they could close the master card account, that I never agreed to opening, and my original store card would remain open and unchanged. I confirmed multiple times that my original account would remain open. 

On XX/XX/2019 I logged into my account and discovered that it had both accounts listed as closed. I again used the chat feature and the agents told me that my original account was automatically closed because I activated the master card. I explained that I spoke to an agent on XX/XX/2019 and they assured me the account would remain open. The new agent said that they couldn't have kept the account open. So I requested the original account be reopened in accordance to the assurance I was given by the agent on XX/XX/2019. The agent said it was not possible and transfered me to a supervisor who also refused to help me. They would not give me contact information for anyone higher than themself, simply gave a general mailing address and fax number for customer correspondence. 

I have tried to fax and email customer service multiple times and they keep saying they will not honor the assurance from the customer service agent on XX/XX/2019 that my account will remain open. They will not reopen my account. They will not let me contact anyone higher than a customer service representative.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (MO)

Plus Finance harasses me with phone calls from differing phone numbers several times a day. Sometimes the calls are marked as being from Plus Finance, sometimes they are not. When I answer, they refuse to disclose who they are until I disclose who I am, and, guess what, its Plus Finance. Im aware that this is harassment and it is illegal for creditors to do this to me. I have missed job opportunities because of the incessant calls blending in with calls from prospective employers.

Attached is a screenshot of the MISSED calls from Plus Finance. Every unmarked missed call is from them, based on the ones that I have answered. The ones I have answered arent even shown. These are only the missed ones. They are ruthless and incessant.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have reported a charge of {$13.00} that appeared on my Capital One mastercard account as fraudulent several times since I became aware of it earlier this year. I have never used this card, so Capital One closed the account without my consent. While they have reopened the account, they have not resolved the fraudulent charge and have now added late fees and interest. Additionally, since I have not received a replacement card I can activate, I have no way to go online and try to make a payment. They still have my old information from a credit union account I closed two years ago and have been trying to deduct money from it.
Consumer complaint received 2022-08-16
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

On XX/XX/XXXX, I bought a used vehicle and financed it through First Interstate Bank ( XXXX, MT ). I was unable to actually pick the vehicle up until XX/XX/XXXX due to inclement weather and schedule conflicts. I live 2.5 hours away on the other side of the XXXX XXXX. from the dealership. During that time, the vehicle sat on the dealership 's lot and did not move. On XX/XX/XXXX, I was finally able to pick up my vehicle. On XX/XX/XXXX, I had my truck insured for the ride home and for the next year, etc via the insurance company I use for all of my vehicles. 
When I got my statement from First Interstate Bank, it stated that I was past due on my payment even though I had autopay set up. Here, it turns out, they had imposed a forced insurance coverage charge on my truck for the time it sat on the dealership lot from XX/XX/XXXX to XX/XX/XXXX ( 41 days ) at a cost of {$780.00}. The insurance company they used was XXXX XXXX XXXX XXXX XXXX XXXX. 
I received no notification that I had insurance on my truck while it sat. There was no declarations page sent, no indication of any kind of the type of coverage I had, no app on my phone to use... nothing. As it can be seen on the attached document, the coverage wasn't even issued until XX/XX/XXXX. 
After many phone conversations with First Interstate, XXXX XXXX XXXX, and the dealership ; First Interstate wouldn't budge. They are still charging me {$68.00} a month for twelve months ( a total of {$810.00} ) for 41 days of insurance coverage. That's $ XXXX ( $ XXXX = XXXX ) or, realistically, $ XXXX ( $ XXXX = XXXX ). That is an exorbitant amount for coverage.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

the complaint was with capital one and XXXX XXXX  and also XXXX XXXX. somone hit my accounts the pulled out XXXX and canceled all my payments. when i went to pay it off i tryed it cost me about XXXX dollars, and the still did the samething to me i wrote paper work at the court house and they still did the samething i would like to have the money i put into it. the XXXX call me for a card referance i dont want to put any information. my name is XXXX XXXX XXXX and not what they had changed it to. this is a new pc. wiht a XXXX purchase. from the factory i figured out they need a credit card purchase to move the money and cant do it on a new pc, ill just buy one every year. the shut down my bussines this year and i dont have a credit card anymore. i have more complaints but this solves this problem you can call me at ( XXXX ) XXXX XXXX, or ill call you tomorrow, and thank you for the help. also they keep on thretting me trying to get more information
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NM)

On XX/XX/XXXX, I noticed a new Credit Card was opened on XX/XX/XXXX with Barclays Bank Delaware, address po box XXXX, XXXX, DE XXXX by reviewing my credit report monthly. I didn't recognize this card and knew it's fraud as I didn't request to open any credit. So I submitted a dispute to the XXXX credit reporting agencies in separate dates : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 
On XX/XX/XXXX, I received a letter from Barclays Bank Delaware dated XX/XX/XXXX stating that " they received my dispute but confirmed that my account information is being reported accurately after they did an investigation '', and this letter also states it is a " Frontier Airlines XXXX XXXX ''. 
I called the Barclays Bank Delaware Customer Service number XXXX on XX/XX/XXXX ( same day I received its letter ) to report a fraudulent activity and got to speak with its representative named XXXX. She said the account was closed so I should not worry as no one could use it. I asked further question about the reason for the account closure as I knew if the account was close due to the request of the account holder, that would be negatively impact on my credit history. I wanted to make sure the account was close due to fraudulent activity. However, she could not verify that reason rather than confirmed account closed. After the phone call, I didn't feel confident with the phone-reporting, I wrote and mailed the a letter to request for re-opening an investigation as it's a fraud, I mailed the letter on XX/XX/XXXX. Additionally, while I was waiting on phone to speak to its person, I got to know that the card has {$89.00} balance and {$400.00} cash withdraw, however I never received this card. 
While I was waiting for the dispute result after mailing the letter to Barclays Bank Delaware, I consistently received the letter from them again dated XX/XX/XXXX and XX/XX/XXXX stating the same thing " They received and acknowledged my dispute but confirmed that my account information is being reported accurately after they did an investigation ''. Additionally, I received two dispute results from XXXX and XXXX. XXXX result shows ; " The Information you disputed has been verified as accurate but information unrelated to your dispute has been updated with the results, THIS ITEMS HAS BEEN DELETED FROM THE CREDIT LINE ''. 
XXXX results shows : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. 
On XX/XX/XXXX, I sent a second request to dispute this card to Barclays Bank Delaware, after receiving two of its letter confirming my account is reported accurately plus the disputes with two credit reporting agencies were not successful. I decided to report another identify thief to your portal to protect myself. I am still waiting for XXXX dispute results, and response from Barclays Bank Delaware after I sent two letters.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I'm reaching out in regards to inaccurate information on my Credit Report with all XXXX reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the XXXX result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to XXXX and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (AZ)

When I applied for this loan, it was not disclosed to me that my loan balance would increase. I was not made aware of this. I will not repay this loan back because the balance continues to increase. Please help me thank you!
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

All three of my Capital One Accounts was closed out for no reason. 

I have great payment history for 10 years plus and managed to pay off all my credit card debit durning the pandemic. 

I didn't get any waring that my accounts was going be close. They didn't give me a chance to work with them so my accounts wouldn't be closed. 

The closing of these accounts have dropped my credit 81 points. 

Credit is very important to me. Me being a loyal customer for over 10 years I feel like I should be treated better then this. I'm in the process of trying by a house. I need my credit.
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

Today I called the Department of Education/Nelnet to ask about why I have three months of late payments. I spoke to two supervisors to find out why did this happen on my XXXX account for the months of XXXX, XXXX, and XXXX when I filled out my application in XXXX the beginning of the year! Yet I was told that they received my application but they claimed they sent me other records of things that I needed to do but I did not receive any of the records they are speaking of. I asked what address did they send those documents to and they did not have an address on file, in fact they said the documents that they sent returned back to them. So when I sent my application in with address on it then why did they not have my address on file They are lying about sending documents to me. Then the supersivor stated that the only way they could remove the those three months of late payments was if I had cancer or in the military or in school.This is not fair for when they said they sent something when they can not even tell me what address they had on file. Nelnet have violated the Fair Credit Reporting ACT and damaged my credit score. I will be taking legal action soon for {$1000.00} per violation.

1. Please show me proof of my address 2. Please show me what documents you are stating that you did not receive with my application.
Consumer complaint received 2021-09-29
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. (FL)

I recently filed a complaint about my credit cards and nothing was done I applied for a mortgage recently which was the end of XXXX and was denied and the credit cards were the main focus and an old delinquent charge that was bought by another company portfolio this account was open back in XXXX and so another company bought it and it's still haunting me that's not fair and I pay my bills on time.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (CT)

Prior CFPB complaint not addressed, Truist Bank supposedly mailed reply to me, nothing received to date. Their reply provided contact info which does not address complaint, their contact does not accept or return calls, a XXXX XXXX. It appears Truist Bank will not reply directly to CFPB, appears attempting to circumvent by providing contact info. Additional complaints marked as duplicate to avoid CPFB portal and also addressing them. This pertains to a mobile deposit made on XX/XX/2018, the amount of $ XXXX.The full deposit was made available next day on XX/XX/2018 after calling in, inquiring about availability. It appears Suntrust reps, now Truist Bank, failed to verify funds before releasing them. The check, a closeout check from XXXX XXXX, later returned due to stop payment placed which I was not aware of prior to deposit. Account became overdrawn, sent to several collection agencies, mostly recently, XXXX XXXX XXXX which was sued for their collection tactics. Truist Bank continues to attempt to collect, despite their own error in releasing funds without verifying Since this their own error, I request Truist Bank remove account from credit reporting, cease from collection activity. Complaints marked as duplicate will be investigated by CFPB.
Consumer complaint received 2019-12-12
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. (NM)

On XX/XX/XXXX9 I disputed an account in my credit report with XXXX   XXXX  with a factual error from my credit report came back verified . The reason of my complaint is to challenge this outcome under the section 611 of FCRA I demand the method of verification or deletion of this account .
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TMAGNUSONE Inc (FL)

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both Trans Union and XXXX so initially the next morning I called Trans Union and XXXX and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to Trans Union and XXXX disputing this because theres nothing on file saying that you apply for credit I then contacted XXXX and Trans Union once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at Transunion. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.