davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: KEYCORP (NY)

Today is XX/XX/XXXX. I have a bill due for housing, I thought it would be an easy transfer of funds. I called Keybank at XXXX and asked for the ABA number and my account number to make the transfer. After a 20 minute hold the man who answered said it I wasn't entitled to transfer money unless I signed up for bill pay and gave me the number for a separate bill pay department within Keybank.From XXXX to XXXX I was transferred twice within the bill pay department and told to call the bank I wanted to transfer the money to and see if they could help. Without the ABA number they could not. That call took 5 min ( XXXX XXXX ). At XXXX after trying to sign up online for bill pay and receiving a message to try customer service I tried that number. 
XXXX transferred twice within the department and then given the number I initially called which was on the back of the card, XXXX I was on hold and then told there is a separate department that handles unemployment benefits and that was the key2 benefits department again a number I had tried many times. This time the person offered to walk me through the online system with the same results. The automated system would not let me set up an account. 
He suggested I call the number on the back of my card again but this time chose the option for a lost card as that would get me faster service. I did that, again the agent walked me through the service this time telling me I could not use my name as the user name, nor could I use social security number, birthday -none of this is on the website. It just comes back as a red screen, it does not tell you how to correct the problem. When I told the agent that, I had been using my name, she said ( of course ) this happens all the time. Even with her instructions I was not able to create an account, this time a new message came up INVALID and to call another number. She could not transfer me so I called now an Online Banking department who suggested a take a cash advance, but I can not send cash to my landlord. He redirected me to customer service, the agent there again walked through the key2benefits website and after it did not work she said she would put in a ticket, which would take 48 hours to process and I could try again then. I asked for a ticket number or something I could reference if it did not work after 48 hours. She could not give me a reference number. I asked if I had to call back in 2 days, would the representative have any notes from the last 4 hours I have spent on the phone and she said no they would not. I tried to call a local branch, as did the XXXX XXXX banker but bc of cover they are not answering the phones, it says you can set up an appointment online. When I went online to set up an appointment there were no available times for through XXXX. It is now XXXX, and I have tried for 5 hours to transfer my unemployment funds to secure housing.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IN)

The account with XXXX XXXX Mastercard was closed without prior notice on XX/XX/2021 due to account inactivity and XXXX balance. When attempting to contact XXXX XXXX Mastercard XXXX I was prompted to enter the last 4 digits of my Social Security number. The automated system detected my account was closed and said they could not open an account once it was closed and the call was disconnected. Not no option to speak to a customer service rep or anything. 

This closing of an account due to inactivity hurt the consumer. They have lowered my available credit, therefore, lowering my credit score. They lowered my history of accounts that have been open, the account has been open for over 7 years, therefore lowering my credit score. Not sending some sort of 30-day notice prior to closing the account would be better than sending notification of the account is closed. Since the balance is {$0.00} I could have attempted to use it only to be denied because the notification was sent to the online portal. I know the account has a XXXX balance and have no reason to check the balance beforehand so I never saw " the account is closed '' letter. 

For them to have the ability to close my account when the account was in good standing and I suffer the results is not fair to the consumer. This practice needs to stop. I have had this happen on other occasions and the work and time it takes to build up your credit score back to what it was before the account was closed should not fall to the consumer only.
Consumer complaint received 2016-09-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: TRUSTMARK CORPORATION (LA)

Our complaint is about Trustmark Bank, XXXX XXXX Our parents created a living trust several years ago ; our mother passed away 4 1/2 years ago, then our father suffered a XXXX approximately 1 year ago and passed away a couple of weeks ago. The provisions of the trust allowed my brother and me to make all financial decisions ( power of attorney while he lived, co-trustees after his death ). Trustmark Bank has refused us access to the money which he had saved over many years, specifically saved to take care of him. They said " we do not accept '' trust documents. Documents which were notarized and filed with the court. 
We are fortunate that we had other financial resources and were able to care for him until his death. We went to the Trustmark branch in XXXX, XXXX after his XXXX approximately one year ago and received nothing but contempt, even though the terms of the trust allowed us to make decisions upon his incapacity. They acted like we were trying to steal his money -- highly insulting. We decided not to sue them since the amount of money was not significant. After his death my brother and I went to the same branch and received the same -- give us the trust documents ( which we have now submitted 4 times ). The lady refused to look at the trust documents, saying she had to get a ruling from " Legal ''. Note that the bank accepted his deposits under the terms of the trust, which were submitted at the time of account opening. 
When asked for a time frame, she said it might be several days or several weeks. Although we were fortunate to have financial resources to care for our father, now deceased, we are concerned about others who may not. We recommend a full investigation of all trust accounts accepted by Trustmark over the past 20 years. This is not an isolated incident ; I discussed our estate settlement with a friend who also said that Trustmark was the largest obstacle to settling his family 's estate.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Consumer complaint received 2022-01-07
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. (CA)

I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2023 while making a purchase with the cashier, I was asked if I have a rewards card where I earn points for my purchases. I said no. I asked was it a store card because I didn't want one, I was very specific about that. I said I had been working on my credit for two years and I didn't want a hard inquiry nor a credit card. The cashier said " oh no, it's not a credit card. It's for reward points when you make future purchases. When I entered the information requested on the key pad, one of the questions was my social security number. I asked him why is that a question? He stated " oh it's to make sure the points are given to the right person and no one claims your reward or discount ''. Once I paid for my purchase and was leaving he says " oh this is your receipt and booklet ''. It was a store credit card booklet. I confronted him about lying to me and says " oh don't worry about it, just don't use it! ". I was lied to, mislead, deceived and my credit now has a hard inquiry on it that I didn't want. All for the sake of his quota to get people to sign up for a XXXX store credit card. 
Synchrony Financial was contacted immediately and it will take 30 days to resolve! XXXX at XXXX XXXX, XXXX, MI XXXX on XX/XX/2023 at XXXX
Consumer complaint received 2022-09-15
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: Upgrade, Inc. (GA)

My line of credit with Upgrade Inc., comes with a Visa Credit Card. I used my Upgrade Visa credit card to purchase financial services from XXXX XXXX based in Florida. I paid XXXX XXXX a total of nearly $ XXXX to secure a private XXXX loan of $ XXXX. It was agreed that the loan would be issued by the end of XX/XX/2022, certainly not later than the first week of XX/XX/2022. However, the loan was never issued as agreed therefore, I requested a chargeback against XXXX XXXX because they did not perform the service I paid for! 

All of my chargebacks against the fraudulent merchant XXXX XXXX were accepted by my credit issuers, i.e. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. Many of the aforementioned requested supporting documentation for my chargeback which I promptly submitted. However, despite my offering to provide supporting documentation XXXX never requested any supporting documentation and although they initially provided me a provisional credit they are now saying that they have declined my chargeback and I am now required to pay for services I did not receive. 

XXXX made the following statement to me via email ; " Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We can not override the merchant 's policy and have no further recourse to pursue this matter with the merchant. 


Here is what you need to know : If a provisional credit was issued, it will be reversed and you will be responsible for payment of the transaction ( s ) and related accrued interest according to your standard payment schedule. '' Why is it that only XXXX, which did not request to see my supporting documentation substantiating the fraud on the part of the merchant, claims to be unable to override the merchant 's policy? 

This is a gross injustice!
Consumer complaint received 2023-04-07
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. (CA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
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)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2022-09-15
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. (FL)

I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX the various account 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 a account with out my written instructions.
Consumer complaint received 2022-09-15
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX 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 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

5/3rd 's web-site has contributed to me being logged out of my on-line checking account. The web-page only has a prompt for " forgot login '' and does not have a prompt for " forgot password ''. I did not forgot my login but forget my password. In attempting to go through the process- my account was locked. The poorly designed web-site contributed to the locking of my account. I have attempted to call 5/3 to unlock my account but their office hours are limited and I haven't been able to reach a human. On their web-site - the only way to send a message is to log into your account- which I can't. I am now 4 days into attempting to contact them to have my account unlocked so I can pay bills and view my account but so far I have had no success. The ability to unlock and account or reset a password should be a 24/7 service - and not limited in hours. Due to the poor design of the web-site and inability to get ahold of a person to actually unlock my account I am facing late fees on bills, potential overdraft fees as I am not able to view the balance of my account to ensure appropriate funds are in the account for automatic withdrawal. The negative impact this has had on me is uncalled for. I should not have to spend hours attempting to contact a bank that does not appear to be available to have access to my funds. The design of an online banking module should also not contribute to depositor being locked out. I will be attempting to reach them again on Monday to gain access to my funds. I do plan on exiting my relationship with this bank because of the lack of support and financial impact. I have accounts at multiple other financial institutions and have never had this issue before or been unable to resolve my issues through calling their customer service. If the bank is not able to adequately staff their customer services system to ensure their customers have access to funds then they should ensure their online banking module doesn't contribute to the problem.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Equifax failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (GA)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CAINE WEINER COMPANY INC Account number : XXXX
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get all XXXX Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? Transunion has no payment history. XXXX has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Consumer complaint received 2024-05-18
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 (NY)

On XX/XX/24 i went to a XXXX dealership to lease a new car. I was told a specific bank was going to be my lender then i started to get emails from all these banks that ran my credit, 8 total!!! 
here are the names : XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never authorize any of these banks to get a copy of my credit.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

- in XX/XX/2020, I called Carrington Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by 1 week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to Carrington Mortgage and have written to their Claims department but they have rejected my pleas.

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with Carrington Mortgage.

- My credit score plummeted and I need to get a loan to pay bills due to Covid19 pandemic. PLEASE HELP!
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Regarding my Equifax and XXXX credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with Equifax and XXXX but were recently added to my credit file again. 

I filed disputes with Equifax once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

Equifax ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from Equifax and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with equifax are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had Equifax remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.