davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 2016-01-30
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BB&T CORPORATION (WV)

PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TRANSWORLD SYSTEMS INC (ME)

I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

CARD WAS APLIED FOR ON LINE ON XXXX XXXX PROMOTION ON BOOKING A FLIGHT. INFORMATION ON ACCOUNT WAS ONLINE. NO PHYSICAL CARD WAS ISSUED AT THE TIME. A FLIGHT WAS BOOKED ON THE PROMOTION CARD AND A BALALCE OF XXXX WAS TO BE PAID. I WENT OVER SEAS FOR DEPT OF DEFENCE BUSINESS. WHILE OVER SEAS I CALLED TO GET A BILLING DATE WHICH WAS DUE XXXX XX/XX/2021. DUE TOLOCATION WHERE I WAS, I HADMADE PAYMENT TROUGH MY BANK AND THE PAYMENT ARRIVE ON THE XXXX. I DID CALL THE CARD ISSUER CITI BANK AND NOTIFY THEM OF THE PAYMENT ON THE WAY. THE AGENT ACKNOWELEDGE THE CALL AND SAID IT SHOULD NOT INCUR A LATE FEE. THE BALANCE WAS PAID AND I CLOSE THE ACCOUNT BUT YET CITI KEEP SENDING ME A BILL WITH COMPOUND LATE FEES. THIS IS PREDATORY PRACTICE OF THIS BANK. I NEED THEM TO FIX THIS PROBLEM ASAP ON MY ACCOUNT.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-15
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-10-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I authorized a transaction for {$250.00} via XXXX XXXX to a local person for a XXXXXXXX XXXX XXXX that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via XXXX XXXX for the money back because I still did not have the XXXX  in my possession he declined it. I also wrote him messages via XXXX asking if he had the XXXX or not and if not send my {$250.00} back. He never responded so I contacted my bank Chase to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called Chase XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because XXXX XXXX is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} XXXX XXXX  transaction through Chase the same day as the {$250.00} transaction. It was approved and final but the {$250.00} was not.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On the Regions ATM machines, they claim to accept XXXX bills at a time. I confidently put my XXXX XXXX dollar bills that we had just received from selling our car to deposit into our checking account to pay off a card. The machine took my money, returned my card and issued me a receipt saying that There was an issue returning my cash and for me to contact my financial institution immediately. I did not move. I called the bank from there and even inserted my debit card again to assure myself that the deposit and withdrawing options were unavailable, which they were. I attempted with two cards. The bank opened a claim and told me it could be up to 10 days. I called a few times and they continued to tell me it hadnt been 10 days. The 10th day came and went. I called and they had closed my claim saying there was no merit in depositing the money in the clients account. I told them they were robbing me and calling me a liar. They reopened the case using the picture of the receipt that the atm gave me. I reminded them that there are cameras and that I inserted my other cards. They were able to see my other actions and the error of the atm. I am still waiting to he contacted and for my money. They are thieves and treat their customers like liars
Consumer complaint received 2022-07-06
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm XXXX  now.with no help.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank USA NA, XXXX Capital One 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 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX - I applied for the XXXX XXXX XXXX Credit Card through J.P. Morgan Chase. I received an invitation in the mail that I was pre-approved with the XXXX credit card based on my history of banking with Chase. I was given a unique invite code to apply on my application. 

The first red flag occurred when I applied for this credit card, where I received a message letting me know that Chase needed to review my application further. I received zero communication until XX/XX/XXXX. The communication received on XX/XX/XXXX asked that I call Chase 's number ( XXXX ) to confirm if the application was mine. I called the number, only to be placed on hold for XXXX hours and being dropped off from Chase . As shown in the screenshots below, I was put on hold separate times for XXXX, XXXX, XXXX minutes with no answer from Chase. I tried calling back again on XX/XX/XXXX with the same issues. I have a full-time job and can not wait around all day for someone to help me with this. 

I went ahead and called Chase client services ( a separate division ) to see if they would be able to connect me, they were able to connect me to a representative to look at my application. The representative did not seem knowledgeable at all and said my application was denied on XXXX when I had applied. I let the representative know that I received communication that I needed to call back the number provided above to confirm my application. He seemed confused and said he would transfer me to the next representative. However, I was again on hold for XXXX minutes and then dropped from the call from Chase . 

In this instance, Chase has failed to notify me immediately that my application was denied - resulting in me waiting to receive a credit line and further delaying purchases I was planning on making. Additionally, Chase has failed to properly amend the issue of confirming my account application by not answering the phone and dropping me off after XXXX minutes of waiting. The lack of communication, inability to resolve the issue and misleading pre-approved marketing that I was sent is why I am writing this complaint.
Consumer complaint received 2019-08-06
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: Meridian Financial Services, Inc. (MO)

This account with XXXX is in dispute, the collection agency has been notified twice by registered mail that the account is in dispute. It was my understanding that the collection agency was barred from reporting the account to credit reporting agencies while an account is in dispute per Missouri State law. As you can see, I have excellent credit and none of this would have happened if XXXX XXXX had lived up to their agreement with me. I have retained the services of XXXX XXXX XXXX, XXXX XXXX, Mo. They have identified several incidents of fraudulent activity by XXXX against us.
Consumer complaint received 2021-12-15
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. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
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: Bread Financial Holdings, Inc. (NY)

Hello I have repeatedly sent out disputes as I have identified several inconsistencies on my credit report with this creditor. First and foremost my account is showing a different opening date across all three credit bureaus. The high balance is inconsistent across all three credit bureaus two agencies show a high balance of {$730.00} and one shows a high balance of {$100.00}. Date of last activity is different across the board as well. One is saying XX/XX/2019, XX/XX/2019, XX/XX/2019. Under 15 U.S Code 1681i ( 5 ) ( A ) treatment of inaccurate or unverifiable information should be deleted immediately! I have the right to dispute inaccurate information in my credit report.
Consumer complaint received 2022-03-28
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. (MS)

I don't have access to Internet our any way of being able to pull everything back up. I'd never ever worried about credit report our identity theft our social security number theft until I gave birth to my second child and the hospital tells me i had a little girl in there hospital you're already in system when I'd NEVER been to XXXX XXXX XXXX XXXX XXXX XXXX NV In my life till XXXX XXXX when I Miss XXXX XXXX XXXX XX/XX/XXXX of Mississippi resident XXXX XXXX XXXX XXXX XXXX Mississippi XXXX I then run a credit report only to see lots of XXXX when I shouldn't have anything on it at all for I pay cash and have all my life. So my social security number has been used too be illegal claimed as a dependent by a stranger have my life XXXX XXXX XXXX XXXX Louisiana XXXX a XXXX XXXX XXXX is what it states that this person has claimed me as a dependent since I was XXXX of age and incompetent and unstable and XXXX when I have never been anything of such sort then half my life then I don't know them and I've worked sinceXXXX teen paying taxes and have lived alone XXXX of my life and never been married. Then someone has received welfare and ept and government funds under my social security number and I've never once been handed nor asked government for XXXX. Then someone stole my pua and stimulus all of it I've never had a cent. But someone got it. Then someone has CELLPHONES in my name student loans and houses and morages and bank account and cards XXXX and retail cards and loans and on and on when all this is not my life nor my doing not one thing on my credit report is true not one thing. And my son 's both of them SOCIAL SECURITY card and birth certificates never have been given nor found XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I only parent. And someone used my social security number for hospitals and services and have received my children all there cares funds XXXX and I have not been of a penny since XXXX when my first born son was gov of NEVADA kidnapped and illegally ADOPTED then someone used my social security number in Nevada for XXXX XXXX  and I've never been XXXX XXXX.. Thank you for taken care of this matter asap XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
10 604 - 15 U.S.C. 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

I woke up this morning to 4 new inquires on my credit report that I do not recognize all being on the date of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES I am not sure if any amounts for I received notifications of new inquires