davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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 (UT)

On XX/XX/21, I was invited to apply for a Paypal XXXX XXXX Mastercard without impact to my credit score. I decided to see if I was approved, and what my terms would be. Again, I wanted to do this without impacting my credit and was informed that it would be so.

As part of the application, I was shown Terms and Conditions of the offer ( s ), which included multiple interest rates. There was three different tiers of interest rates, some of which I would accept, others I would not. I understood that I would be shown my exact interest rate before accepting the credit account to be opened.

However, after submitting a preliminary application, I was not shown my interest rate, but was approved for a credit line of {$750.00}. I have also received new hard inquiries from PayPal on my credit reports. 

In order to try and make the best of the situation, I called PayPal Credit Card Customer Service at ( XXXX ) XXXX to try and understand what these mysterious terms might be that were applied to my new credit line. I thought if the terms were good enough, I might accept the card. Again, I wasn't given any understanding of exact terms before the account was opened. 

I spoke with a person named XXXX at the number listed above and inquired of her what my interest rate might be. She said that the information wasn't available yet. So, even Paypal 's own Customer Service team didn't know what my interest rate was! Yet they opened an account for me? Without knowing terms? Seems odd.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I DEPOSITED CHECKS TO MY CHASE BANK ACCOUNT IM BUYING HOUSE. THE PUTED THOSE MONEY ON 7 BUSSINESS DAYS HOLD UNTILL IT WILL BE CLEARED. NOW ITS BEEN 14 DAYS THOSE MONEYS WERE CLEARED FROM THE PARTIES THEY PROVIDED CHECKS. THE PUT MY ACCOUNT ON HOLD AND THEY ARE NOT REALSING THE FUNDS. THEY ADVSING THEY NEED TO CONTACT THE CLIENT TO VERIFIED THE FUNDS. THOS ECLIEANTS ALSO CHANSE CUSTOMER. WE ADVISED TO CONTATC THEM AND VERIFY THEY ARE SAYING THE PHONE NUMBER ON THE ACCOUNT ITS THEIR CELLPHONE AND THEY ARE NOT IN PUBLIC RECORDS. CUSTOME TRYING TO CALL THEM THEY ARE SAYING ACCOUNT HOLDER NEEDS TO CALL THEY WHEM IM CALLING THEM THEY ADVSING THEY NEED TO SPEAK WITH ISSUER. BACK AND FORT THEY ARE NOT ASSISING MY ACCOUNT FROZEN MY ESCROW CLOSING AND I NEED URGENT HELP
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
Consumer complaint received 2022-11-21
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. (DE)

Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2022-02-24
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge differenceXXXX XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc. (GA)

RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.
Consumer complaint received 2022-11-21
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. (GA)

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 XXXX XXXX XXXX. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights XXXX 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
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)

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I applied for a Citigold bank account with Citi bank XX/XX/2015 with a promotional code. When I applied this code, Citibank verified that it was accepted and that the promotion would be applied to my account. The exact wording for the citigold terms and conditions stated that the offer was available to Citi/ AAdvantage card members that receive this communication. This reward offer was confirmed to have been applied to my account yet Citi is claiming there was NOT an AAdvantage miles promotion offered in conjunction with the opening of my account, even though they confirmed with me that I DID have the promotion available for me back when I applied. Now they are claiming that they do not owe me the reward for this offer and they refuse to credit me with the miles that I have rightfully earned by completing the promotional offer.
Consumer complaint received 2022-11-21
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. (MS)

I am requesting that these unauthorized inquiries be removed. I followed the fraud procedures for Equifax and they did nothing. I have fraudulent inquiries on my account that are affecting me getting credit. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I called Equifax on XX/XX/2022 to request that my credit report be made avialable to my mortgage broker. I was told that there was a fraud alert on my account and that I needed to send the following : Copy of social security card, copy of ID and a cover letter explaining what needs to be done. 
I sent certified mail on XX/XX/2022 with the requested info. USPS tracking number XXXX. 
I was told that it would take XXXX to business days to process my request. This has not been the case and they keep telling me that they haven't received any documents from me even though I have a confirmed delivery from USPS almost 20 days ago. 
This is the XXXX time they have put me through this routine.
Consumer complaint received 2020-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (MD)

since XX/XX/2018, marinerfinance has put a lot of late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with marinerfinance on this manner since this was my first time making a late payment but no luck. I suggest a plan forgiveness where i will pay {$200.00} upfront but they never reply back to me. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.
Consumer complaint received 2022-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MD)

I have an equity-line-of -credit with M & T bank. The line was first opened many years ago by banks that M & T absorbed. I became delinquent on this account in XXXX  because of health and business problems. In addition, they raised my monthly payment almost 10 fold. At the end of the year, I requested a loan modification from M & T. I submitted all the paper they needed and they told me on XXXX that there were things missing and they gave me until XXXX XXXX to respond. I responded by that date and on XX/XX/XXXX they told me that there was some missing information and because it was so close to the foreclosure date that they would no longer consider a modification and would not tell me what items were " missing. '' Most of my correspondence is with XXXX, the foreclosure attorneys. They send me mailings every day highlighting the foreclosure date. The letter they send is one I received from M & T in XXXX on XXXX XXXX.
Consumer complaint received 2022-02-23
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. (AL)

On XXXX XXXX XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (IA)

I have contacted their customer service representatives with no response back! I can't log into the site to change my payment method and I've told them repeatedly on chat that they need to change my payment method and not take it off the card ending in XXXX!! Someone on there and changed my card to the primary ending in XXXX without my permission because I have not been able to log in!! Now they're blocking me from logging in!! So I can not change any payment method or anything!! They have also took away all my credit limit without an explanation other than it's based on my credit report! My credit report is better now than it was when I first started using them!
Consumer complaint received 2016-02-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, I have decided giving up everything and goback to my home country XXXX because i was having difficulty in many problem. and after i left the country i lived in XXXX for 2 and 1/2 years and came back XX/XX/XXXX. When i came back i found out that within that period of time my identity has been stolen and many fraud activity has happened to me. i am still not able to open the account with any banks and lived my life as a bad credit/ charge off person for past 6 years. i tried to reach FTC many times and tried to dispute the problems with XXXX and other credit bureau. and im getting ignored all the time. I desperately in a situation needing help, if i cant be helped then either im gon na have to file bankruptcy or just go back to XXXX. Please help me
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Someone keeps trying to get a XXXX card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX card. I applied in XX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
Consumer complaint received 2022-02-23
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. (NC)

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-23
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. (MD)

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.
Consumer complaint received 2022-02-23
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: Synovus Bank (TX)

I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have submitted 4 disputes to Equifax and XXXX  for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX XXXX for {$300.00} ; but Equifax and XXXX is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NY)

I have an account with Optum Bank that is supposed to distribute funds to me for my transportation expenses associated with my employer. However, Optum Bank has continually denied my requests for reimbursement of transportation expense because they claim that my request was not timely filed. According to their own rules, however, this claim is false. As you can see from the submitted evidence, in Question number 10 on Optum 's FAQ regarding transportation services, " you must file claims within 180 days of date of service. '' I filed my claims on XX/XX/XXXX for expenses incurred from XX/XX/XXXX through XX/XX/XXXX -- well before the supposed 180-day deadline. I received a confirmation email from Optum Bank on XX/XX/XXXX confirming submission of my claim. Yet when I followed up with Optum Bank on multiple occasions via telephone and email, customer service representatives and managers continue to deny my claims because they say I had to file within 60 days of the date of service, which is in direct contradiction to Optum Bank 's own rules they disseminate to their customers.

It is my belief that Optum Bank is making up rules as they go along with the intent of denying rightfully submitted claims to their customers. They are doing this because they are greedy and unethical. Please assist me in getting my rightfully deserved reimbursements from Optum Bank. Thank you for your time and attention.
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be. I have not been able to get help for digital wallet withdrawal from them but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX XXXX