davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I opened a Citibank double cash credit card account about two years  ago. I called Citibank and was told my promotional 18 month 0 % APR on my balance and balance transfer was expiring. 

I asked if I were to close that account and reopen a new double cash credit card would I receive the same offer. I was lied to and told that I would. It didnt become apparent to me until this month that Ive been charged interest. This is something the representative very specifically said would not happen. 

I was lied to. I dont appreciate it. The best the representative said she could do for me is a one time courtesy credit, I accepted that as a good faith measure but I feel that Citibank can and should do more.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Both my checking and my savings accounts have been restricted with no access to the funds for a week. I called to resolve and was met with " we are still investigating '' with no timeline for resolution and a statement that we can have the investigator reach out to you within 3-5 business days. At this point I have bills that are not being paid and additional charges that I am incurring with no remediation in sight from Capital One. I understand fraud risk and after my identify was sufficiently authenticated there was still no attempt to ameliorate the situation, no provisional credit, no transitioning to another account that didn't have fraud associated with it to mitigate the risk of loss, just a blanket statement that they can not do anything until the investigation is complete.
Consumer complaint received 2022-08-11
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-08
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX 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
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020, I filed a complaint with CFPB against Synchrony bank for frauduently charging fees and my ~ {$750.00} balance on the card remained the same after 2+years. After filing complaint with CFPB, Synchrony bank adjusted the account and I paid off the remaing balance in XX/XX/2020 while the account was already closed. 

Well, Synchrony Bank will continue to commit FRAUD unless an enforcement agency penalize them. 

My account was paid in XXXX/XXXX XXXX off right after they adjusted the amount BUT, on XXXX, I received an email stating my statement balance {$39.00} and Minimum payment of {$39.00} due by XX/XX/2020. And then, On XXXX, I received another email stating that I missed a payment and asked to {$40.00}. 

HOW COULD I MISS A PAYMENT ON XXXX WHEN DUE DATE IS XX/XX/2020?
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I paid XXXX XXXX XXXX - XXXX - for medical services on XX/XX/2020 in their office by credit card in the amount of {$120.00}. A crooked collection company by the name of Transworld Systems inc. just sent me a demand for payment dated XX/XX/2020 for that bill which I already paid over three months ago.
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (CO)

this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AL)

In the statement ending XXXX, I read clearly that the deferred interest balance was expiring on XX/XX/XXXX. In order to pay the deferred interest balance, Barclay 's instructs the cardholder on the statement to pay the minimum payment and any amount above the minimum payment made in the last two cycles before the expiration date will be applied to the deferred interest balance. I called the Barclays helpline on XX/XX/XXXX after looking at my bank statement to confirm that I was in the last two billing cycles. The Barclay 's representative confirmed that I was. After hanging up with the Barclays representative I made the payment that same day for the deferred interest amount {$1100.00} and another payment of {$170.00} to cover the minimum payment. Both payments were processed and reflect in the next statement ending XXXX. The amounts however were not applied to the deferred interest balance only to the regular balance and the expiration date of the deferred interest payment had changed to XX/XX/XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MN)

National Recovery Agency XXXX, PA XXXX This company posted debt on my credit score without once contacting they have been damaging my credit for years without me knowing I always check my credit score on XXXX XXXX and they never showed me today I checked my credit on XXXX  and theres this debt thats up for collection I have no way to describe my feelings about this I always paid my bills on time and I have XXXX debt on me I think this company is a fraud as it says on their reviews almost everyone on their XXXX reviews is complaining about them.
Consumer complaint received 2020-05-16
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. (WA)

After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by XXXX a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

I'm self employed and my income was effected in XX/XX/2021. I tried to advise the Servicing Dept at Guild Mortgage that I can't utilize the forbearance plan offered because my refinance wouldn't close. I told them I could get contractually current in XXXX to avoid the late hit on credit. I just needed the one time courtesy for XXXX payment ; no forbearance plan needed. They advised I had to go through a plan even though I set up payments to be current. They advised the payment system is down. I relooked at my score after the late payment because I was going to just let it go but it actually dropped my score so low I couldn't refinance. I am requesting the late hit be removed as I was effected by COVID and brought the account contractually current within 30 days of missing XXXX payment. I found it predatory to make my go into a forbearance plan to get the late removed and therefore losing my opportunity refinance. I've never been late in the past and had exceptional credit over XXXX prior to last month.
Consumer complaint received 2017-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (PA)

The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake.
XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital.
XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.
Consumer complaint received 2020-05-16
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: Fidelity National Information Services, Inc. (FNIS) (OR)

XX/XX/2019 contacted via mail Chexsystems about an error on their report. 
They never updated me about receipt of documentation. I then called Chexsystems on XX/XX/2019, to verify what was going on with the status of my error and was told to mail them documents. Sent documents via certified mail and still no word. Requested another report from Chexsystems to verify removal. They responded with it taking another 5 days. It has now been 9 months.
Consumer complaint received 2020-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.
Consumer complaint received 2020-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.
Consumer complaint received 2017-08-07
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 purchased a reservation for 3 hotel rooms on XXXX on XXXX XXXX, 2017. The reservation did not meet the criteria being offered so I attempted to cancel the reservation both through XXXX and capital one. XXXX refused to cancel the reservation. Capital One was n't able to offer me the refund after they contacted priceline. XXXX cancelled the reservation with the hotel assigned after the dispute was initiated. I was n't able to use the hotel that I booked on XXXX and was still billed for the service.
Consumer complaint received 2018-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting inaccurate information on my credit report. After disputing this account directly with creditor which ended up with the creditor being unable to verify this account in accordance FCRA, I am now disputing this account directly with Credit bureaus. 

On XX/XX/XXXX I sent a letter to TransUnion requesting them to verify the accuracy of this account. They received my letter on XX/XX/XXXX, and responded on XX/XX/XXXX stating they have verified the account is reporting accurately but with no proof or anything bearing my signature. I sent a second letter on XX/XX/XXXX which they received on XX/XX/XXXX requesting their method of verification and requesting proof of their claim. They responded on XX/XX/XXXX and again, stated the the account was verified and still no documentation or proof. 


I have repeatedly asked for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

To resolve this issue and prevent any legal action against them, They must remove XXXX XXXX XXXX Acct # XXXX from my credit report.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (MI)

I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Experian - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

I tried closing my account, in XX/XX/2021 and TD bank said I needed to zero my account. Upon doing so, they stacked transactions in such a way that they could charge an overdraft on me, even if the transactions were clearly in an order that it shouldn't have been. They they prevented me from closing the account again. Upon trying to zero the account, they then charged me monthly fees. I tried to reinstate a balance to avoid monthly fees. Then zeroing account again in XX/XX/XXXX I was again charged an overdraft and was unable to close the account with a negative balance, which was exactly the size of the overdraft. Upon contacting them and trying to close the account again, they did not let me and insist on charging more fees.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : TRANSUNION - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXXXX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).