davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX XXXX  Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (TX)

I reported o nXX/XX/XXXX that my Paypal MasterCard Cash card was stolen and never received. I was basically told they weren't liable and that I should file a police report and " hope '' that I get my money back. I was told I was going to out XXXX and tough cookie even though I was able to verify that none of the account info matched me, when I was at the time or my bank account. Even still I was told no dice.I received a letter 6 months later that stated that the follow : PayPal Important updates about your lost or stolen PayPal Cash Mastercard. 










XXXX XXXX, When a customer reports a card as lost or stolen to PayPal, per our standard process, we close the card immediately and issue a new replacement card with a new account number. This way, we protect your account from unauthorized transactions. 

As part of our routine system audit, we discovered that the PayPal Cash Mastercard ending in XXXX you reported with unauthorized transactions on XX/XX/2018 wasn't closed due to a technical error on our part. This error also prevented PayPal from shipping you a replacement card. 

Corrective Actions we are taking Since PayPal approved your transactions after the card was reported lost or stolen, we've refunded XXXX USD to your PayPal account. The refund will appear in your PayPal balance. This amount reflects all purchases that were made with the card after you reported it lost or stolen. If youd like an itemized list of the transactions being refunded, please contact our customer care center at XXXX. 

Additionally, were shipping you a new replacement card to the physical address you have on file : Your replacement card will have a new account number. So, please ensure to add the new number to anywhere you have the card stored for payments your favorite websites, utilities, streaming services, applications, and so on. 
On activation, youll also be prompted to create a new PIN. It can be the same PIN as on your previous card or something completely different. 

We sincerely apologize for any inconvenience. Rest assured, we take the security of your debit card very seriously, that's why we've reissued you a new PayPal Cash Mastercard. 

The PayPal Cash card team After being on the phne for over 4 hours after receiving the email, and bein transferred numerous times, and handled by several rude representatives, I was told my payapl account had limitations and there for had no answers to give me about how to retirive my funds. That I would no tever receive them.
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Community Cash Management Corp. (VT)

I am XXXX, live alone, own my home and have zero debt. Marcam Asc has been harassing my daily for over a year. When I tell them my name, that I live alone and that I have no debt, they ask for my address. I refuse to give it to them and demand they stop calling me. They hang up on me immediately and proceed to call the next day. I am so close to calling an attorney to sue this company for the amount of stress they have caused and the groundless reason for this daily harassment that has so terribly affected my peace.
Consumer complaint received 2022-08-30
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)

Equifax claims XXXXXXXX XXXX XXXX  has been verified as mine account, but yet XXXX XXXX XXXX  doesnt find any information in their system regarding any accounts. This XXXX XXXX XXXX account is negative affecting my equifax credit report
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I moved XX/XX/XXXX and called in a change of address to Newman Marcus. I have a number of cards and all the others changed my address so everything went fine. I dont use the Newman card that  often but used it at XXXX of XXXX. I never received a bill and didnt think of it because I dont always use their card. I only use it when it gets a discount. 

I tried to use my card last month and it was declined. I inquired as to why and was told of the charges. I let them know that I had not received a statement. I let them know I had records of changing the address. I told them all the other changed it with no issues. They asked if I had a Saks card. I told them yes so the looked and could see that I changed my address on it in XXXX of XXXX. 

The had my correct phone number and email but sent nothing. I told them I wanted to pay this right away but would only pay the original amount of {$940.00} and not the XXXX they say I owe now. I also asked that they report the the credit bureau that this is their error and to remove it from my report. I left several messages starting on XX/XX/XXXX for the customer service manager at the XXXX store Mr XXXX XXXX. He never returned my calls. 

I called the credit department XX/XX/XXXX they said the would take a couple of months interest off and I said I wanted to speak to someone who could make it right. They told me I would receive a call back in 7-10 days. Nothing happened I downloaded my account info and called the number on the downloaded statement. I was told the same thing again after being placed on hold for 24 minutes. I asked for a supervisor. 36 more minutes later a  supervisor named XXXX told me the same thing. I asked for escalation but he informed me that he was the highest person on the matter. I asked for his last name but he would only provide his employee ID XXXX. 

I want to pay the bill right away but want assurances that they will drop the extra charges and report the error the the credit bureau.
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. ()

Remitly ( Exchenge money ) US. 


Yesterday, XX/XX/2020 I sent XXXX US dollars to my account in XXXX. 
They promised that the amount will be available today XX/XX/2020.  Now I received a message that my cash is available in my bank ( delivered ) but it's not. 
I've already check on XXXX, almost a hundred percent of the people has problem with Remitly Company. Please contact this company to stop the transaction because a lot of people has problems. 

I have the receipt : XXXX Full Name : XXXX XXXX
Consumer complaint received 2019-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

I applied for a Loan Modification in XX/XX/XXXX with the assistance of a Hud Certified Housing Counselor. Submitting multiple loss mitigation applications. I have responded to every document requested by U.S.Bank. I presently have a letter from USBank requesting additional information by XX/XX/XXXX. In viewing my Deed, USBank recorded foreclose on my deed XX/XX/XXXX, and also placed this action under the name of someone who is not on the mortgage. I have also received correspondence from a " Law Firm for " NOTICE OF INITIAL CASE MANAGEMENT CONFERENCE '' on XX/XX/XXXX. I need clarity as to what is going on. I spoke with a relationship Manger at USBank yesterday and was told my package was complete and I should receive an answer within 4 weeks. This process has been like a nightmare switiching of relationship Managers, losing my submitted paperwork, recording non payment to the credit bureau when I was told by a representive at USbank NO PAYMENT WAS DUE XX/XX/XXXX SINCE THE LINE OF CREDIT WAS MATURING never provided an offer for my Loan Modification Request.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Based on the coronavirus, my husband and I are both unemployed and living in NY. We have had two mortgages since XXXX and never had a late payment. 
During this pandemic the governor instructed mortgage companies to place mortgages into forbearance without penalties. Upon calling my mortgage company I was instructed with minimal information or assistance to apply online. After receiving paperwork standard for foreclosure, which does NOT apply to me, I was assigned a case worker with no contact extension. I then called the general line and after a 90 minute hold I was told that I would be granted the forbearance and then on XX/XX/XXXX I would be expected to pay one lump sum of FOUR mortgage payments at which time I could then call back to discuss any other options like foreclosure. 
I contacted the governors office, the financial dept in which I filed a complaint and finally your agency which advised this method of documentation.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (MA)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}
Consumer complaint received 2020-04-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I am writing this due to non-compliance with the AD ASTRA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Regarding a Walmart Credit Card XX/XX/XXXX - Purchase food in XXXX, Ca. store using Walmart credit card. 
This is the final purchase made by me or any authorized using Walmart credit online or instore. 
XX/XX/XXXX Received letter from Walmart instructing that account would henceforth be administered by Capital One. New card to be forwarded Received standard billing in mail for account ending. Balance XXXX due. Amount agreed to. 
XX/XX/XXXX billing with new credit card number listing fraudulent purchases. Contacted Walmart to advise never received new credit card and to freeze account and investigate purchases. 
XX/XX/XXXX - Received letter from Capital One stating their investigation found insufficient evidence of fraud. Called them immediately to dispute again, please provide details to me regarding how purchases were made : online or in store, provide information why account was not freezed and additional purchases and cash advances were made.

XX/XX/XXXX received letter from Capital One Walmart advising error to be corrected and no additional action needed on my part. 
XX/XX/XXXX - Billing received. Acct. Balance XXXX XX/XX/XXXX - Letter received ( again ) from Capital One Walmart advising " rest assured errors corrected ... '' XX/XX/XXXX - Billing received showing Balance of XXXX To date, my account has never been reactivated by me, and no evidence of fraud provided by Capital One or Walmart to explain to me how my card was used.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We started receiving letters from vendors to whom we sent checks that our checks bounced due to our joint checking account being " frozen ''. I contact Bank of America, and was told that yes, they froze our account. The claim that they send one letter to my wife ( joint account holder on the account for 30 years ), asking her to call a number to verify some information. That letter was never received by my wife. Frankly, even if such a letter was received, she probably would have discarded it as we get a minimum of one scam email and letter from phony Bank of Americas regularly asking us to provide information. As it turns out, they were looking for an updated cell phone number for my wife - for that they froze MY account without telling me! 

Here is the point. I wrote the checks - Bank of America has all of my information including cell phone ( they send me text alerts ), email, address, etc. I was never contacted to let me know that MY account was arbitrarily frozen, which can not be legal nor ethical. I wrote the checks, the account was well funded, the bank has all of my current information, and my wife has been on the same account for 30 years. We have incurred several XXXX dollars of fees and penalties from vendors, including our mortgage holder, plus countless phone calls to try to explain to vendors that our Bank is a bunch of incompetent fools.
Consumer complaint received 2021-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX who is a subsidiary company for XXXX XXXX XXXX have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a Capital One Bank credit card I am still working with capital one one.. They also had someone come by my house!!!!
Consumer complaint received 2019-05-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I didn't receive the signing bonus as a result - neither the {$400.00} ( for depositing {$15000.00} within 60 days of account opening AND then maintaining {$15000.00} for 60 days after depositing {$15000.00} ) nor the {$100.00} ( Although I had made a few direct deposit within 60 days of account opening ). When I called customer service, all they said was that I am not eligible for the promotion since I didn't deposit within 30 days. 

As a consumer, I wasn't made aware that you have to deposit {$15000.00} " Within 30 days ''. If you see the screenshot, It tells you every detail about when you need to make a deposit to get {$100.00} ( i.e. within 60 days ) but to earn {$400.00} bonus, it didn't explicitly say within how many days. 

I believe as a consumer, I was deceived and would like Citi to pay me {$500.00} in total ASAP.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster, Garbus and Garbus (NJ)

On XXXX the XXXX XXXX I received an email from payroll notifying me my wages were being garnished! To my surprise I didn't know a judgement had been entered against me from XXXX! Never received any summons, or any other documents from courts or this firm so I could properly defend myself, not only did I discover these people serviced the incorrect address they also let me know this account is from XXXX, which is charged off! How could they look up my employer but not bother to verify my address!