davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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 (MI)

XX/XX/22 ordered a computer from QVC amount {$3700.00}. Did not receive the item. QVC made a police report, XXXX stated the item was delivered on front porch. Have been disputing this with the creditor. My account is reporting a 30 day late charge on my credit bureau account.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I opened a checking and savings account with CITI BANK and completed all the necessary requirements to receive the incentive offered by the bank. After completing all the requirements ( ATTACHED ) and verifying that I have completed all the requirements every step of the way, CITI BANK still has FAILED to credit my account. 


Representative XXXX on XX/XX/2018 explicitly stated " Therefore you should be expecting the bonus no later than XX/XX/2018. '' ( ATTACHED ) Representative XXXX on XX/XX/XXXX at XXXX XXXX stated " After this please allow 90 calendar days for the promotion bonus to be credited. Which will be on XX/XX/18. '' ( ATTACHED )
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

This is a formal complaint against NCB Management Service located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, NCB Management Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-09-23
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. (FL)

I paid the debt for XXXX XXXX original creditor XXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Consumer complaint received 2022-07-27
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. (TX)

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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2023-07-28
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)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a car loan through credit acceptance in my childrens dads name. I purchased the car in XXXX  and the buy out on the car is XXXX. My kids dad wants the loan out of his name so Ive been trying to refinance the vehicle, no one will refinance the loan because its not worth how much is owed on it. Im struggling paying on this car and Im  in a bad place with their dad currently and just need some positive to come from this situation.
Consumer complaint received 2022-07-27
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2018-10-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Hi.I XX/XX/2018 I submitted paperwork, to Experian, from the state 's response of a bankruptcy that was reporting on my credit report on Experian. Experian responded with the information was reported as accurate. I called Experian on XX/XX/2018. The rep I spoke with said " We get our public information from a outside resource ". Under the fair credit act, there is no mention of proper reporting of a bankruptcy. Please investigate this and have removed from our report on Experian. Thanks!
Consumer complaint received 2022-07-27
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: PENTAGON FEDERAL CREDIT UNION (IL)

In accordance with the Fair Credit Reporting act 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 an account without written instructions
Consumer complaint received 2022-07-08
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)

Got initial notice from XXXX XXXX saying there was a credit check done by XXXX. then received a letter from XXXX that this request was determined fraud and they closed the account. 
Account number that was created : XXXX XXXX caught this was fraud and closed the account to protect me.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau but to my surprise, I did not receive anything back as a response. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$240.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$140.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$90.00} Inquiries : XXXX  ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX  Incorrect Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2018-11-27
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: SYNCHRONY FINANCIAL (RI)

I got an unauthorized hard credit check on my account earlier today from Syncb. 

After searching online I found that some other people had the same issue and we're unable to fix it by calling the company and they would transfer the call in an endless loop. 

The final solution seemed to be reporting to consumer finance. 

I have no idea who this company is and why they have done a check on my credit.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've sent multiple letters and called to dispute incorrect accounts and information on my credit report. Every response comes back as the account has been updated.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has treated me like a criminal when I was victim of a scam Bank of America will not listen to what occurred I have a police report and spoke to police detective both have agree bank is treating me with disrespect. Ive ask to speak to supervisors and managers and Bank of America employees 6 of them have just hung up in my face not allow me talk to a supervisor Bank of America after being customer 20 years I would think they have more respect than treat a victim like the criminal I want this resolved with Bank of America with an apology for there rude service towards me Ive gone to several ppl with this theyre all shock to see how Bank of America had treated a victim of a scam
Consumer complaint received 2022-07-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have 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 an account with my written instructions
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: EQUIFAX, INC. (MS)

To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (OH)

The company stated I violated section 15 ( d ) which simply states the card can't be misused. I was only using the card as intended, receiving payments from peers, withdrawing cash, making purchases, and paying bills. I did get a few more payments than average, but that was from selling bitcoin from my personal investment. 
Anyway the company said they were closing my account and sending me a check. I did call them and they said there was nothing they could do. Some accounts just need to be closed because the cost of compliance is expensive. 

I have yet to receive a check. I would like one mailed ASAP Thanks
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jacob Law Group, PLLC (MS)

This complaint is in regards to Jacob Law Co. based in XXXX, MS . I spoke with this company on XX/XX/18 over the phone. This law firm is very unprofessional to speak with. I owed a debt to a different creditor for {$680.00} and it was sent and bought out by Jacob Law Co. They sent me one letter about the debt and then decided to sue me and take me to court over the matter. When I called to set up payment with them, they wanted to know all of my financial information. They asked how much I made, what my bills were, and wanted to get into depth about my whole life financially. This is absolutely uncalled for. There should be no reason a debt collector should know how much you pay for food and gas, ect a month! I was also belittled and asked so you just sit at home and do nothing with yourselfwhen I said I was a stay at home parent. They refused to take a payment until I asked to speak with someone else. The lady I spoke with took my payment but told me they would still be taking me to court. I asked to receive a record or invoice of the payments being made and was informed that they do not do that and I need to keep my own record of what is owed. So they will not send my anything in regards to what is left of the debt owed or any payments being made. How is this legal? Between the terrible customer service, bullying, and unethical practices, this company should NOT be in business!
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (NY)

I have recently filed a dispute claim with KeyBank, because I have had {$500.00} transferred out of my account every day for a total of {$6.00}, XXXX without my knowledge, from XX/XX/21-XX/XX/21. I did not even know about this until I could not log into my online banking account, because my pin was changed. I found this strange because I did not change any of my information, so I called customer service. They put me on hold again and again just to transfer me to people from the same department when I wanted to talk to someone who could actually help me. Not only was my information changed and I could not access my account, they told me I only had {$400.00} left in my account which was a complete shock to me-I receive unemployment every week so I knew that this was not possible. So when I was finally able to log in again, I saw that money had been transferred out of my account. At this point I filed a claim. My claim has been denied for the reason that " The cardholder authorized the transaction ''. However, I did not receive any notifications of suspicious activity on my account, and I was completely unaware of this situation. I did not authorize any of these transactions and this issue should be looked into further. I think someone got a hold of my account information, unless I got hacked. Either way, I did not receive any notification that money has been transferred out of my account. Furthermore, the account that my money has been transferred to is completely unfamiliar to me and I would like to hold this person who stole my money responsible for their actions. I have tried to email KeyBank through the General Comments and Feedback form and the Credit Bureau Dispute Form both of which did not go through.
Consumer complaint received 2021-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Purchased 2 x R/T tickets trans- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA ) XX/XX/XXXX for {$4400.00} for a trip in XXXX of XXXX Norwegian canceled my flight on XX/XX/XXXX -- and suspended virtually all transatlantic flights at that time. 
In lieu of a cash refund I accepted flight credit ( cash points ) with NA anticipating that they would continue to fly trans-Atlantic On XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection and suspended its flight credit program indefinitely ( Breaking the deal I accepted ). 
Services Not Received as XXXX XXXX did not supply the agreed flights or will supply the flights in the future. 
I have contacted NA trying to resolve the issue however, they are stead fast in abiding by their policy that I accepted a refund in terms of cash points. I have explained to them that I will never be able to use them because they have discontinued all trans-Atlantic flights. I even asked if they could transfer my points to another carrier and they declined. 
I filed a dispute with CaptialOne but, CapitalOne does not support my claim saying that I had accepted the merchants refund and there is nothing they can do. 
The Fair Credit Billing Act allows credit card users to dispute charges when a merchant does not provide the service as agreed. The agreement with XXXX was transportation from the USA to Europe which I paid for and the airline was unable to provide and will not be able to provide in the future due to their new business model of becoming a regional carrier only. The next agreement was a flight credit for transportation from the XXXX to Europe. I accepted that agreement and then XXXX revoked the deal. XXXX has given me nothing in return for my {$4400.00} and CapitalOne has not protected me from this lost.
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (GA)

XXXX has been non-compliant with removing the unverified account ( AMERICAN CREDIT ACCE ) which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that ( AMERICAN CREDIT ACCE ) was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MT)

In XXXX, Binance locked US users accounts to follow us regulations. I was unable to transfer out of the currency I had and I panicked, so since it was an ethereum token, I transferred it to binanceUS ethereum account. Now its frozen in their wallet. I reached out to them first on XXXX and after a couple weeks they responded that I needed to send them my wallet address and a fee of XXXX bitcoin for them to take care of it in 5 days. I did this immediately and gave them permission to take the fee through email. 

Since then I have been put off and ignored. I filed other service tickets and was told the same thing. This was over the course of XXXX months. I finally got another response on XXXX that they would handle it, then again nothing. We are now approaching 4 months that they have had my {$40000.00} worth of tokens tied up. 

I started pressing them on XXXX so everyone could see, and they had the time to block me but not fix my problem. They post continuously how much money they are making and its really hard to watch. 

I feel they are lagging in their response to keep peoples money. Theres thousands of complaints on XXXX and XXXX, so you can XXXX how much money theyre making. We just dont know where to take the complaint or theyd have many more. 

Is this the right place to complain and do you have any other avenues of complaint where I might be able to get my {$40000.00} back?
Consumer complaint received 2019-01-14
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. (NC)

I have being going back and forth with the three major credit bureau Transunion, XXXX  and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.