davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Please update personal information according to the attached and information shown below. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : I am writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I understand that pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I used to have a checking account with JP Morgan Chase. I received a check by XXXX, a XXXX XXXX company and I deposited the check through mobile banking. I received a notification that Chase was closing my account while my check was still processing. Because I never received the funds on the check I had deposited, I contacted XXXX  to request resistance of the check, but they showed that JP Morgan Chase had cashed the check. I contacted Chase and they said they had to contact XXXX but they were unable with the numbers they had and they could not take a good number from me. So they asked me to go into a branch with an XXXX representative and myself. We all know that is not possible given the fact that XXXX is a big American corporation, I live in Texas and their corporate offices are in California. Chase has the funds, this is a valid check that I receive monthly. I'm not sure why they are keeping my funds. Obviously the check was paid by the issuer. I need answers.
Consumer complaint received 2021-07-01
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. (CA)

XXXX Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-01-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

In XX/XX/2020 EOS CCA allegedly took over my student loan debt, however I was never given information as to how or why this happened. This company is a scam. Its a disgrace. After not contacting me for several months, I finally got in contact with the company and made an income-based payment plan in order to protect my co-sign and his ability to buy a house. Theyve refused to comply in sending a written confirmation of my debt or payment history, something my co-sign needed in order to close a mortgage. Their online payment portal has inaccurate information about my payment history. Theyve neglected to update my credit report to include details of my payment history despite multiple requests. 
Theyve illegally spoken to relatives of mine regarding my debt without consent. 
Theyve denied service to me when Ive called to manage my debt, saying the right employee was not available, the person with access or ability to handle my complaints or requests was out of office, or by saying that the company was in transition and my information was not readily accessible. After several phone calls in which representatives lied about sending me emails, written letters, and faxes, the company has now fully ghosted me. The last I called they said they had no knowledge of my account in their system and it must be a data entry issue. I dont even know what to do here. This account is ruining my credit and has ruined my relationship to my co-sign, who is like family. This company is ruining my life. All of these requests were made and I was lied to with agreements on recorded phone lines. It is just so ridiculous. I just want it to go away.
Consumer complaint received 2021-07-01
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 (LA)

PayPal closed my account for no reason after my {$12000.00} USD American tax refund that they advertised to get quicker through them was deposited it also has mt original XXXX dollar stimulas check ive been waiting through the entire pandemic forand 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 from them for months but I just researched that 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.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

In late XX/XX/2020, in the XXXX XXXX XXXX  store in XXXX CA on XXXX XXXX, I purchased a {$3400.00} chest after receiving an offer to get 20 % in reward certificates if I used a XXXX XXXX XXXX credit cards from Synchrony bank. 

I made the purchase and was told that I would get the rewards in the next billing cycle which never happened. 

I contacted XXXX XXXX XXXX on 3 occasions and Synchrony Bank on 3 occasions. Both organizations claimed that it was the others responsibility to fix. 

I have never received the credits I was promised. 

Any help would be appreciated. I think both companies have acted in bad faith and with poor customer service, bordering on fraudulent practices.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NC)

I started receiving calls from XXXX on XX/XX/20. The CID states simply that it is a toll free call. They never leave a message. I do not answer unknown calls but I do screen so I can answer if it's something or someone who needs my attention. After several calls I blocked this number. They continue to call but at least my phone doesn't ring and I ignore them. An online search of several web sites revealed this to be a call from Credence Resources Management in XXXX, TX. Some people have described them as rude and aggressive and demanding personal information such as addresses, birth dates and credit card numbers. One person said they were told they could pay with a XXXX XXXX gift card. If that's true, then it's definitely a scam. I have had other calls I'm sure were spoofed numbers, although I can't prove it because I didn't answer, but they occurred with the same pattern of calling. One was from a wireless caller in XXXX XXXX, TX ( XXXX ) occurring at the same time as previous calls. No message left. This morning they tried a new tactic. At XXXX XXXX the phone rang. The screen simply said " unavailable ''. I screened the call and at the end of the voicemail greeting a robotic female voice said " good-bye '' before the recording started. The screen then alerted me that I had 1 missed call. To erase that notification I pressed the CID button on my phone and this 866 number was revealed. This means this was a robocall. I have never even heard of this company much less done business with them.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

Citi has implemented an authentication mechanism that requires the customer to have a telephone number to receive a voice call or text message to process rewards redemption requests. Not all customers have a phone that can be called or texted. When I contact Citi, I do so from my employer 's phone system, which can not accept inbound calls. In the past, Citi allowed me to authenticate by sending a one-time passcode ( OTP ) to my email address. This option has disappeared. 

There exists free and open-source technology that is regarded as the strongest form of authentication, widely adopted among companies across the internet, and easily to implement. XXXX XXXX describes XXXX XXXX XXXX Passwords. These can be scanned with an app on a mobile device to establish a secure mechanism for authenticating, that doesn't depend on a customer having a cell phone and doesn't require customers to pay for cell phone service. This technology has been available for over a decade. There also exists a consortium of companies that have developed other authentication mechanisms that do not depend on cell phone service. ( See XXXX XXXX XXXX XXXX XXXX and reference XXXX, XXXX, XXXX. ) There is nothing in the contract that I initially signed that requires me to have or maintain cell phone service. Citi should not be able to prevent me from distributing my rewards points without a cell phone, especially given that the transfer is to a bank that is already on file and has been routinely used to redeem rewards. 

In XXXX of XXXX, XXXX published a recommendation that companies stop using SMS and voice calls as a form of XXXX, as they are the least secure method of XXXX available today. ( See https XXXX XXXX XXXX XXXX XXXX XXXX  And in XXXX of XXXX, the FBI issued an alert, XXXX, which described the rise of XXXX swap attacks being used to steal millions from companies who are using SMS and voice calls as a method of authentication. ( See XXXX  : XXXX for the alert. ) Some of the largest hacks of the past XXXX years have been the result of compromise to SMS and voice call authentication mechanisms. The risk is not remote. 

To require a cell phone to be used for authentication is not only an inconvenience to those who do not have one, but it puts Citi 's customers at risk by involving wireless carriers as part of the process. This is an undue burden that should not be imposed on Citi 's customers, and it must not be an excuse for holding up reward point redemption.
Consumer complaint received 2020-11-19
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: CBC Companies, Inc. (DE)

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Consumer complaint received 2021-01-16
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: CITIBANK, N.A. (TX)

I bought tickets to travel to XXXX through XXXX XXXX. Due to a change in the plan I had to cancel the trip. I cancelled the tickets ( purchased for 3 passengers ) in time as per their cancellation policy. Cost of tickets XXXX. Bought on XXXX XX/XX/XXXX. XXXX XXXX confirmed the cancellation and mentioned that there will be a penalty of XXXX USD per ticket resulting in a refund of XXXX. A cancellation number was provided. 

Date of Cancellation : XX/XX/XXXX Cancellation Confirmation Number - XXXX Ticket Number : XXXX Since then I have been contacting XXXX XXXX for refund which never came through. No response. Their ecommerce division is solely responsible for all refunds. No representation in USA, no offices no phone lines to take calls or answer my questions about refund. They all point to one email -> XXXX. They never responded. Recently after a long follow up ecommerce team responded with this email. 

================================================================== XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me, XXXX, XXXX, XXXX Dear Sir We appreciate your patience but seriouly we did our bit instantly long back it is only between the acquring bank and your issuer bank who are delaying this transfer of funds to your acoount. 

Let them respond and action, we will come back to you. 

thanks regards XXXX XXXX On XX/XX/XXXX, at XXXX PM, XXXX XXXX XXXX wrote : Dear Sir, Reference your mail for credit we have taken, up the matter with our acquing bank. Since you had raised a dispute for refund as per process we have accepted the chargeback on XX/XX/XXXX for the amount of USD XXXX. When a dispute is being raised then facility to refund that transaction gets blocked on the system, henceforth we had accepted the amount. 
Now we have taken up the matter with concerned bank, request you to again contact your credit card issuer bank for current status for refund. 

We will get back once we receive a feedback from them on most urgent basis. 

thanks regards XXXX ================================================================ I had no other option but to dispute the transaction assuming Citibank will mediate this problem. Unfortunately they gave a credit of XXXX USD temporarily and put the charge back on my card saying XXXX XXXX already refunded the money. 

But till date as you can see from the emails I never got the refund. 

I also have the documentation where during dispute Citibank is provided a letter by XXXX XXXX stating that the refunds are issued and on the way. 

Today ( XXXX of XX/XX/XXXX XXXX it is 115 Days since the tickets were cancelled.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed a complaint with your office several weeks ago for the second time this is the third complaint on the same problem. last complaint file # XXXX they promised to once again activate my venture card if I send them personal information which I have done now 17 different times. read the last response they sent to you, that you sent back to me. it says to fax them over a copy of both sides of my driver license, social security card, and a utility bill for past 60 days. I did all of this via XXXX XXXX XXXX  company on XX/XX/2020 at XXXX e.s.t.and got a fax return confirmation from XXXX.the letter said my card would be activated up to 7-10 buisness days. well today is 10 buisness days and my card once again is not activated. I been telling you that they keep taking my personal information and not activating the card. WHAT IS GOING ON!!!! I DEMAND THIS BE INVESTIGATED.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I am a federally protected consumer and the original creditor. I was not obligated to Wells Fargo alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. and so Wells Fargo is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Wells Fargo collected on this alleged debt. Negatively reported on my consumer credit report. I did not give Wells Fargo DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ) ..Wells Fargo did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. l hold Wells Fargo criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Here is what I'm mailing Best Buy Credit by Citibank : XX/XX/XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Account Ending XXXX XXXX To whom it may concern : I recently discovered, much to my horror, that Best Buy Credit/ Citibank have been charging me roughly 1 % per month for a Debt Protection service I dont recall being offered or consenting to. I demand a full refund for those fees immediately. As of the statement dated XX/XX/XXXX, we have paid {$260.00} in fees that were never authorized by us. 
On XX/XX/XXXX, my family made a large purchase at Best Buy in XXXX XXXX, California and were delighted with the offer of 24 months interest free. We immediately set up an auto-payment in order to pay off the balance within those twenty-four months directly from our checking account. Because it was set up on auto-payment, I would occasionally log in to your credit card servicing website to verify everything looked OK on the dashboard summary. Ive attached a copy of what I typically see for reference. It illustrates there being no additional fees. 

It was only upon further inspection this week that I discovered that your firm hasnt been forthright or truthful about the fees you have been charging me. It was only after I went into the full statement where it was listed. 

This dishonest behavior by your organization further the awful reputation of the Financial Services industry in America. Its clear your desire is to hide fees and fleece our community. My heart aches for less savvy or resourced Americans who go years paying for things they never opted into. 

I expect a response and a refund of the associated fees as soon as possible. 

Sincerely, XXXX XXXX XXXX Cell : XXXX CC : XXXX XXXX XXXX   CC : Consumer Finance Protection Agency
Consumer complaint received 2021-06-10
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. (CO)

I have a business loan late payment ( not a default/judgment ) that a business creditor is reporting to my personal credit because of a personal guarantee. The loan is to the business EIN and not my personal SSN. 

Equifax should not allow this because of the way they market their data, When I apply for a personal loan, I am only able to provide personal income to the prospective lender. The lender then checks my income vs. the debt/score on my report. A business late payment on the report unfairly damages my credit because the personal lender is assuming that everything on the report is related to my personal finances. In real life, I have additional income via the business to pay that commercial loan but I can't provide that business income to the lender as I apply for credit. Again, creditors are evaluating my personal ability to pay but I am getting graded against a conflation of personal and business debt. Having business creditor payment information on the personal report is not consistent with how Equifax sells their data. 

If Equifax marketed their data to be a combination of business and personal finances, then this would be OK because I could then use business income to show my ability to pay. However, they only market their data as a personal credit score. 

It would be appropriate for Equifax to report a business loan only when the lender has received a civil personal judgment ( presumably after default and they are able to pursue this personal judgment because of the personal guarantee ). At that point, the debt is personal and should need to be paid with and considered a part of personal finances. 

But in advance of a personal judgment, allowing business creditors to report payment status to personal credit reports corrupts the data in a way that is inconsistent with how Equifax markets their data to personal lenders. It has to be excluded.
Consumer complaint received 2021-06-04
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: JPMORGAN CHASE & CO. (FL)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

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

3. Identity Theft N/A Account Number : XXXX  This is not mine.

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

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

6. Identity Theft JPMCB CARD Account Number : XXXX  This is not mine.