davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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: CITIBANK, N.A. (TN)

I have been disputing an amount of {$420.00} since XX/XX/2019. I was told that while in dispute, the account would be frozen and I owed nothing towards it. The charge was made without my authorization and the dispute was denied and I basically still had to pay the amount. I was never notified that the dispute was closed & had to call to check on the status. When I called on XX/XX/XXXX to check the dispute status, she told me the dispute was closed and there was nothing they could do. So I gathered up my funds ( while living on u employment & my husband nearly XXXX in the hospital after an accident XX/XX/XXXX XXXX & paid the amount off IN FULL 2 weeks after I found out. They reported my account as being past due and put a late payment on my credit report. Dropping my score 65 points & seriously damaging my score. I have never ever missed a payment before and had a 100 % payment history. 
They have repeatedly denied my request to remove the late payment off of mine and my husbands credit scores, even though the account was paid in full right after I found out the dispute was closed. I have been hung up on, yelled at, & have been made to feel like Im an XXXX over and over. 
When I try to call, I can never get anyone who can make any sense and they either hang up on me or submit a dispute w the credit management department and I never hear back. I have written 2 letters to the credit management department explaining that we were  in complete and total hardship since my husbands accident, XX/XX/XXXX & trying to explain that I didnt know the dispute had been closed. The payment shouldnt be considered late when I never even knew the dispute was closed until I called. The last supervisor I spoke with finally went back to the XX/XX/XXXX conversation and saw the proof that I did in fact find out that day about the dispute being closed. Then you can see I paid it off in full 2 weeks later. 
All I want is to have the late payment removed from my credit report and my husbands credit report. Weve already paid the unauthorized amount and just decided to suck that up, which was already ridiculous. This has been a nightmare and they are an infuriating company that sweep things under the rug and dont help at all. One of  their customer service reps even called me a liar.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX  XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$280000.00} XXXX XXXX {$1000.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX   XXXX {$12000.00}
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (WA)

XXXX XXXX XXXX issued by Synchrony bank has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact Synchrony bank the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 at XXXX XXXX  I sent the wrong individual {$500.00} using my Venmo account. Her name was XXXX XXXX and there were several people with that name. I did pay the correct XXXX XXXX moments later. The username of the wrong XXXX XXXX is @ XXXX. The correct XXXX XXXX that I paid is @ XXXX. My account username is @ XXXX. I sent the wrong individual a refund request but they did not answer or refund me. Venmo, which is owned by PayPal, does not provide adequate customer support. They claim they will assist in recovering my money but have not done so. There is no way to contact them outside of email. 

If a bank inadvertently deposits money into my account or if I do the same, they provide recourse. Venmo and PayPal are banks and should do the same.
Consumer complaint received 2020-09-03
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: SYNCHRONY FINANCIAL (NC)

In XX/XX/2020 I received a call from tjxrewards mastercard asking me if I made an {$8200.00} purchase. I said no that's a fraudulent charge. As I was on the phone they asked me if I made a {$400.00} charge. I believe I was on the phone still talking to the operator when a criminal was using my card. The {$8200.00} charge was from a company named XXXX who I don't believe I've ever done business with them an definitely didn't make the charges to and told the operator I believe the day the charges where made that they were fraudulent. The {$400.00} charge was fraudulent too. They have it in my last billing statement PAY.XXXX  PA. I believe it was under another company back in XXXX, but that's what's on my billing statement. The operator immediately told me she was going to block the charges. I was fine, no harm no foul, until I just found the old email of a denial to reimburse me. They said in the denial letter that I profited off the transaction and I knew about it. That is a complete lie, and now tjxrewards mastercard is trying to make me pay for fraud.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, Equifax, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

Received a letter from Mercantiile Adjustment Bureau, placed into collections from XXXX XXXX XXXX. 

Retained attorney and in the process of filing BK. Cease and desist
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I purchased an item totaling {$470.00} on my Chase Shappire Preferred credit card and created a My Chase Plan. The My Chase Plan is a small loan with no APR but with a fixed fee that is separate from my credit card statement balance but the amount is charged to that balance. On XX/XX/XXXX, I received a statement due on XX/XX/XXXX in which I submitted a partial payment. After submitting this partial payment to the statement balance, I was informed that the My Chase Plan that I had set up was paid off even when I still had 11 months of payments towards that loan. I reached out to Chase and spoke to a representative who initially informed me that the reason my loan was paid off before my balance was because it had a higher APR. When I informed the representative that there was no APR but rather a fixed fee, the representative referred me to a specialist/supervisor. The supervisor set me know that I had to click the interest saving balance option to avoid paying for the loan. However, I made incremental payments throughout the month that paid less than my current balance. The interest saving balance option did not provide for a specified amount which is what I needed to make smaller partial payments through the statement period. When I informed the manager about this discrepancy, I was told they were sorry for not making this clear in their agreement with me about the loan. When I requested for our previously agreed upon loan terms to be reinstated, I was told that was not possible. Now, I am stuck with paying {$430.00} in addition to my statement balance that was supposed to be paid off over the next 11 months. This is a misleading business practice that borders on misrepresentation to the consumer. Not only did the loan agreement never state that I had to specifically make an interest saving payment, the loan agreement was completely disregarded when asked for reinstatement. As shown in the attached photo, the email from Chase does not specify that an interest saving payment is needed in order to not pay for the loan. It only says that you should not pay the full statement balance, which I did not do.
Consumer complaint received 2019-11-08
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. (NJ)

Account # : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$150.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} Credit Limit : {$0.00} Past Due : {$150.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2022-05-13
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2020-05-21
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On Monday XX/XX/2019 at XXXX XXXX four {$250.00} withdrawals were made from my checking account at CapitalOne using XXXX. I have never opened a XXXX account. 
I did not receive any notifications regarding these withdrawals. CapitalOne claims to be working on the problem but it has been two weeks without a resolution. 

My profile on CapitalOne contains a bogus mobile number at which to contact me. I have tried to change that to a valid number but Capitalone 's system will not allow me to. 
CapitalOne has been investigating that for two weeks again with no resolution.
Consumer complaint received 2020-07-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I've tried to apply for mortgage XXXX Because of wells fargo predatory I have not been able to purchase a home. 
Wells Fargo allowed to purchase a home making for XXXX making $ XXXX Once I told them I had a DBA from years ago that's all that was required. Once in the house there was a hurricane and I contacted them and I was told not to worry about payment due to disaster. 
Once modification was done my payment jumped from XXXX to almost XXXX I didn't know what to do. I was continually told they would give me modification I went through that several times. I was told I could save my house by filing bankruptcy and I made I've XXXX in payment but payments kept changing once payments got up to XXXX I had to let go. All of the money I invested gone. I also had almost XXXX in payments sitting with wells fargo., a young lady ask if she could apply it and that would cause the amount I owed to decrease but the next thing happened wasn't a modification but bankruptcy. I received a letter stating I owed XXXX dollars and agreed to pay and ask if I could pay the attorneys fees of {$800.00} dollars I was told I would have to contact attorney, the attorney told me it was up to wellsfargo.results I lost my home in XX/XX/XXXXat XXXX and can't get a home because of wellsfargo predatory lending. 
I never sat down with anyone about my credit or anything, just went the young lady told me the person who suppose to go over my credit was out.so she told me payment amount and I went and picked up key. 
I know I should have not believed this was a dream come true but I sincerely believed GOD had blessed me with a home. I just want to be able to get me another home. Banks like that won't accept the responsibility for what they did and the hardship they caused me, its OK they have to answer to a higher power one day. I just want that bankruptcy off my credit report so that the years GOD gives me I can live in peace.
Consumer complaint received 2020-05-21
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: CITIBANK, N.A. (NY)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion and explained that these addresses are not mine and I have never lived here. Please delete these addresses from my credit report. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (TN)

My mother created a trust, at the suggestion of an attorney, and moved her life savings into a trust ( checking ) account with South State Bank. My mother recently passed away, leaving my brother and I as successor co-trustees. The bank refuses to allow my brother and I to access the account in any way, even though it is spelled out clearly in the trust certificate ( which the bank received when the account was opened ) that we are supposed to have access to the account after my mother passed away. The account is frozen, and we are unable to pay the utility bills, property taxes, etc. on my mothers house. The bank has refused for over a month to allow us access to the account, even though we are fully authorized to access the account. It seems to me this would be illegal.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

Macys debt protection program has been taking money from me for 13 years! I finally found out about it and they wont do a XXXX  thing besides say we will escalate the issue well its been escalating for 120 days now and still nothing! No one has phone numbers or contacts to anyone, but now Im just finding out its Citibank who is responsible. Even Macys corporate office had zero answers for me. Plus no one can show me any documentation of my enrollment into this scam, My balance is XXXX $ and the amount that you have taken from me should be refunded to my account and XXXX  out! 13 years Ive been scammed by you and Macys and no one wants to take any type of responsibility but you both have no problem taking my money, and I want it back!
Consumer complaint received 2020-05-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

fraudulent incorrect account reporting on my Experian credit report, I am a victim of identity theft NOT A CREDIT REPAIR COMPANY that Experian accused me of.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
Portfolio Recovery is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against Portfolio Recovery. awaiting court date.
Consumer complaint received 2023-01-19
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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. 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 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 informationisinaccurate.