davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

Between the priod of XX/XX/2021 and today XX/XX/2021 I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online issue exist with their XXXX XXXX. which effects my accounts with no realistic promise of a resolution. I believe I need your departments assitance to resolve this access issue. Unless, for some fictitous reason, that this issue solely is effecting me, this issue must be widespread and as widely spread, ignored.
Consumer complaint received 2019-08-14
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)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX XXXX XXXX  CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Consumer complaint received 2019-08-14
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. (NV)

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-08-14
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: SYNCHRONY FINANCIAL (NY)

SYNCHRONY FINANCIAL, A corporation organized and existing under the General Corporation Law of the State of Delaware is an issuer of Credit Cards. 

I obtained two credit cards from Synchrony Financial. One Lowes Credit on XX/XX/XXXX and one WalMart Credit card on XX/XX/XXXX. 

On that or around XX/XX/XXXX Both accounts became delinquent. According to XXXX Courts and Judicial Procedure Limitation of Actions According to TITLE 10 8106 Actions subject to 3-year limitation. The start of the statue of limitations would have begun when the accounts became delinquent to three years after that point around XXXX of XXXX. 

As a New York State Resident The Court of Appeals of the State of New York XXXX XXXX v. King held that the statute of limitations of the state where the credit card issuer is based, rather than New York 's statute, may be correct statute of limitations to apply. In this case 3 years. 

After the 3 years the case is " time barred ''. However, SYNCHRONY FINANCIAL sold this account to a 3rd party Debt Collector XXXX XXXX XXXX and appears to have transferred the time barred accounts over to its subsidiary company Synchrony Bank in an attempt to re age the accounts in violation of the FCRA. 

I allege that Synchrony Financial is well aware of laws which pertain to The FCRA as well as state Laws. Synchrony Financial I allege knowingly sold a time barred account to XXXX XXXX XXXX at which now by and through their attorneys have filed a motion in NY State Supreme Court against me on a time barred account beyond the statute of limitations.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

hello, good morning. i applied for XXXX XXXX one year ago after providing all documents that SBA required and i have been approved the XXXX XXXX and get fund to my bank account the XXXX XXXX. The XXXX XXXX, i went to the Capital one Bank to make the transfert of a part of this amount to my saving account to the XXXX  XXXX XXXX. The teller told me that she can not do that because i have a personal account with them and they can not do that .And i said ok i want to withdraw my money so i will put it in my saving account to another bank.She said she need to call first the upper management i said ok .after 25 minutes waiting i got the upper manager who told me that i am on ivestigation i said ok why? she did not really told me why. she said i am in still in investigation i asked how long it can take because i want to invest in my business .She said, she did not know. after a month and one week i called again capital one bank and i told with upper manager why they are still holding my sba fundind since one month i told then that i am XXXX years old. i am financially responsable for the loan i got. so i do not know why my fund it still holding. that is the raison why decided to file this claim so this situation will be resolve. the amound that the SBA loan fund me is XXXX.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I had an account with BBVA, and on XX/XX/XXXX I opened a dispute for non authorize transactions with my debit card. on XX/XX/XXXX my account was closed without any warning, letter, contact or anything telling me this bank desition. 
until now I dont know why my account was closed and they 10 days that they have by law to answer or give a provisional credit. 
I called many times to customer service and they dont have an answer. 
I need the credit disputed mailed by check to my address on my profile with the bank. 
Claim number XXXX and XXXX
Consumer complaint received 2020-09-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

Opened a checking and savings account as part of a mailed promotion flyer. Terms were met and {$400.00} was earned for checking. Terms were met for the savings promotion ( open account and deposit {$10000.00} through XXXX XXXX ), but {$200.00} promotion never provided by bank. Multiple calls to bank branch and spoke with manager. Branch first stated that my savings account was closed when I transferred out the money and that is why they couldn't award the {$200.00}. Branch said that on their end, they saw the account was closed. However, my savings account is in good standing and open and I was able to transfer money to it. Manager agreed and was following up with the district manager/marketing department, but have not received any call back for over a week.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

I had an inquiry on my credit report that showed in the fall approx XXXX from XXXX XXXX and XXXX XXXX. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX I received an alert from XXXX of a delinquent account and I contacted the XXXX XXXX XXXX XXXX to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with Experian and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that Experian verified the account as correct and it is absolutely not! 
According to my report it was originally for {XXXXXXXX and now is up to XXXX 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! Experian needs to fix this. XXXX  XXXX needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!! 
I also contacted XXXX XXXX  again today.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged double by a Bank of America merchant in XX/XX/XXXX- XXXX XXXX. I paid the disputed amount in good faith until XX/XX/XXXX. XXXX XXXX never credit my account, Bank of America finally credited the disputed amount in XXXX of XXXX. I started subtracting the disputed amount in XX/XX/XXXX along with interest charge. I continued to pay my current month charges in full and was charged more interest each month and continued to deduct the additional interest charges along with the disputed amount. Bank of America has refused to credit my account for the interest which now amounts to over {$400.00}. They state that only the interest that is related to the duplicate charge is refunded not the interest on the monthly charges THAT ACCRUED DUE TO THE DISPUTED AMOUNT NOT BEING CREDITED. if the original disputed amount had been credited in the first place there would have been no interest charges since I pay off my balance IN FULL each month. I have called repeatedly and they tell me that they will review and never bother to notify me of the determination and in the meantime interest continues to pile up. This can not be legal. I plan to file in small claims court because today when I called once again, they finally told me that there is no way they are crediting the interest due to me. They have all the records and notes on the calls I have been making to them since XXXX of XXXX.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively. 
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog. 

TIMELINE : I got my monthly statement from XXXX XXXX  on XX/XX/2020. I noticed two charges in the amounts of {$170.00} and {$120.00} for which I have no merchandise to show for these charges. These total {$290.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX  charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not. 

On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call. 

CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {$91.00} ; {$110.00} and {$83.00} for a total of {$290.00}. 

ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' XXXX, Experian, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (CA)

This complaint is in regards to my current lender ( Gregory Funding ), who I have submitted several letters in order to correct the error in reporting a late mortgage payment. I have submitted several letters of proof that I am not late or have I ever been late on my mortgage. I have also had my attorney submit a letter to correct the error, Gregory Funding never responded within the 30 day legal time they are required to respond to my attorneys letter. To date the error has not been corrected and we are unable to refinance our home because of Gregory Fundings incorrect reporting error stating that I was late on my mortgage payment. I am attaching the letter I sent to Gregory Funding, on XXXX XXXX, requesting them to correct their reporting error : XX/XX/XXXX Gregory Funding XXXX. XXXX XXXX XXXX, XXXX. XXXX FAX : XXXX XXXX Subject Disputing Late Notice XX/XX/XXXX This letter is being forwarded to Gregory funding based on a letter I received dated XX/XX/XXXX. The letter states that I am behind on my monthly payment in the amount of {$3000.00}, this is incorrect and I am disputing all late fees and the amount of {$3000.00} I have never been late on my mortgage. 

My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX, all scheduled payments were paid on time. My final payment to XXXX XXXX was made on XX/XX/XXXX in the branch. My mortgage with XXXX XXXX was in bankruptcy and discharged in XX/XX/XXXX in which a notice of final cure payment was issued from the bankruptcy court to XXXX XXXX XXXX  and it states Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditors claim, The loan is due for XX/XX/XXXX payment ( see attachment ). We received a letter from XXXX XXXX XXXX  that our loan as of XX/XX/XXXX was transferred to XXXX XXXX XXXX. XXXX sent us a letter stating that our next payment would be due on XX/XX/XXXX we made a payment to XXXX XXXX management in the amount of {$4900.00} on XX/XX/XXXX. Based on my records we are current, please correct this recording error. 

I am requesting Gregory Funding company to correct the error and bring the loan current.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bessine Walterbach, LLP (MO)

My hospital bill was sent to a law firm for collection. My husband is on XXXX XXXX and they served us both. I called and complained and they just took his name off of the lawsuit. I had to make arrangements in or order to not be garnished. I was steadily making payments until one of my payments got lost in the mail. The company has no electronic options or automatic withdrawal options. Everything has be sent or walked into the office. One day I received spam mail from a lawyers firm that wanted to represent me. I had no idea why so I searched my local case net for my name. This law firm has sent my employer garnishment documents. I had no idea that I was behind any payments. I called the office and they instructed me to find legal counsel. I then emailed them for all the payments I have made. I offered to pay the missing payment the same day. I didn't know the payment didn't make it because it was already deducted from my account being a cashier 's check. The law firm told me the garnishment will go through unless I pay the full balance. I never received any notification that I was behind. They said they did not have to notify me because I defaulted on the arrangement. I didn't know I defaulted but now my employer is being effected as well as my credit.
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

please review the following accounts that appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  ( Original Creditor XXXX  ) Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-05
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Equifax has two credit profiles under my social security number - one under my maiden name and one under my married name. When I was trying to apply for a credit application on XX/XX/XXXX, I noticed that my credit score dropped by over 100 points. After pulling my credit report online on XX/XX/XXXX, all my credit history was missing under my married name. I tried to call Equifax ( XXXX ) numerous times and asking if the change from my maiden to married name could have caused this, and they said no, because the Social Security number is the same. Knowing that I had credit history with them and my score was a lot higher less than a year ago, I asked to file a dispute, but they said that I would have to call all my creditors and ask them to report my accounts with Equifax. 
For the XXXX of it, I pulled my credit report under the same social, but under my maiden name this time on XX/XX/XXXX. Sure enough, all my other credit history that is missing is still under my maiden name. So I called them again ( XXXX ) and spoke to XXXX over the phone. I explained to him what has happened and had him pull both of my profiles. He would not do anything for me because he said he needed to verify my identity by faxing him my Social Security card and driver 's license. I asked him why he needed those documents as they are both already under my married name. I asked to speak to his supervisor because I did not feel like I should be inconvenienced for something that is their error. I was placed on hold numerous times before he forwarded me to his supervisor 's voicemail.