davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have tried several different external apps like XXXX and XXXX  to combine my scattered finances into one place. Capital One makes it incredibly difficult for me to share *my* information with these trusted companies in order to help me manage my money, including paying my bill on time!

It would be very easy for them to connect with other services like XXXX - I know this because it was only recently that this problem started. Having to go to fifteen different website to pay fifteen different bills is difficult, especially for the disabled like myself.

If Capital One wants to make sure that those they lend to pay back their loans on time? They should make it *easier* by working with these companies, not more difficult.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SC)

On or around XX/XX/19 I made a purchase at SAMs club in XXXX SC. The cashier informed me that I was selected to receive {$45.00} offer my purchase. I ask the cashier several times and two of the assistance was this offer involving a credit card or any other promotion and all of them ensured it just was a random selection and all I had to do was sign a form and provide my XXXX card and SS # to verify who I was. Immediately after the transaction was made I went to the service desk to inquire concerning the promotion and this when I was informed I had signed up for a credit card. I notified the Store manager and he called the credit card company and had them to terminate the transaction because I told him it was a fraudulent promotion because his cashier emphatically denied this was not a credit card application or promotion. I have received a letter from Synchrony Bank refusing to have the inquiry removed from my credit history. I am total disappointed because SAM employees are misleading people and I definitely feel this a SCAM. Sam need to put out a disclaimer informing their customer what the real intent of the {$45.00} reduction if for. Therefore, I feel this inquiry should be removed from my credit file before the 25 months stated need to be in place before it can be removed. Needless, to say I offered to pay SAM the {$45.00} discount and the store manager decline to accept the payment because of me being misinformed.
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this  information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-03-02
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. (FL)

I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (CA)

I send out a dispute to XXXX, XXXX and Equifax and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, XXXX XXXX XXXX Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXX XXXX XXXX Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Sincerely, XXXX XXXX
Consumer complaint received 2019-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this inaccurate information with TransUnion XX/XX/2019. By the Fair Credit Reporting Act, TransUnion had 30 days to confirm my request or remove the items. Please see the attachment as they are blatantly ignoring the law and harming me. I demand these items be removed in 72 hours or I will seek damages from TransUnion.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BoA refuses to acknowledge that they are discriminating by declining certain purchases, even claiming one successful purchase answers for ten others declined. I only have seconds to purchase my items and cant make a second attempt and they continue today to cancel every transaction and send a fraud text, so I cant make the transactions at all, going on ten months. They still ignore the issue. They claim the fraud alert isnt because of them but they also wont remove it. The will keep me on the phone 12 hours refusing to help, contradicting and cold-transferred calls. Their escalation person wont resolve the issue because she doesnt see a problem with the alerts no matter how many times I explained, they pretend no one has had to make this type of purchase before. So I have fraud alerts every time I try to buy at the only two places I spend most of my money and I cant buy anything because everything is sold out after the card is declined. They have no records of the transactions or declines and their records dont matchup with the alerts sent. Its medsed up but whats certain is that they arent changing their refusal to remove this restriction ( that say there isnt one on my account and that the sellers are declining the transactions they initiate, even thought BoA sends a text message verification ). No one will cooperate with getting the technical issue resolved, hoping a random card replacement might work and that I should use my credit instead. They only let me speak to a secretary working in the collections office calling herself the manager of the escalations group, they arent even treating me as a customer or a human, but it is discrimination to monitor someones spending habits and use fraud verification to prevent purchases for over six months, preventing not delaying or verifying, because weve clearly expressed our interest and intention to purchase and every time I miss out. Today they called me at XXXX est when XXXX XXXX dropped his XXXX XXXX XXXX low, she was on the phone with me with the transaction failing and trying to convince me I was mistaken. They are aware of what is being limited in this account and using fraud to limit the account that hadnt been involved with any fraud.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Someone opened a Macy 's account, XXXX loan, and XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.
Consumer complaint received 2019-07-20
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, Victorias Secret Angel Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : Victorias Secret Angel Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXXXXXXXXXX  verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (NC)

AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION XXXX