davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (AZ)

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
5. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (FL)

I have contacted this organization several times daily. I have asked for management call backs. Received XXXX call when I specified hours that I was available and supervisor call when I was not available and voicemail left saying they would call back and never received a call back it too 8 Days for a voicemail. Documents sent to me said XXXX business days andi can email documents to email I was told they no longer accept email but documents say XXXX business from receiving email. Documents sent to me are fraudulent. Conversation with CSR recording misleading. Please see below confirming numbers XXXX XXXX * Agent failed to take notes on recorded call by the name of XXXX... no one knows who he is. 
XXXX XXXX XXXX XXXX Supervisor failed to give callback for 5 days. 
Supervisor failed to pull calls and investigate issues. 
Optum fails all call center policy, SEC AND FEDERAL GUIDELINES. 
THIS institute is stealing my funds refuse to close my account. For 2 months because I complained. Against form document.
Consumer complaint received 2024-11-05
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. (MS)

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX  account # XXXX with a charged off status on my credit report with a balance of {$3000.00} and high balance of XXXX In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (MN)

I am writing to dispute an error on my credit report regarding my SST account with Systems & Services Technologies. The account is still reported as delinquent despite paying the outstanding late payments in full, plus an additional monthly payment. 

On XXXX XXXX, I paid {$2900.00} to cover the overdue balance and the next month 's payment. This payment was accepted by Systems & Services Technologies, and I confirmed with them that the account was brought up to date and agreed to work with me on finding a However, my credit report still shows the account as delinquent. I believe this is an error and request that Systems & Services Technologies correct the reporting to reflect the account 's current status as current or paid up to date. 

I have attached documentation supporting my payments and communication with Systems & Services Technologies on a recorded line on Thursday XX/XX/XXXX, at XXXX pm central time. I would appreciate your assistance in resolving this matter and ensuring the accuracy of my credit report. '' my account with Systems & Services Technologies ( SST ), which was previously managed by XXXXXXXX XXXX XXXX XXXX. Despite fulfilling the terms of our agreement and paying XXXX consecutive payments, I did not receive the promised one-payment reward. This reward would have covered the outstanding balance, making the account current and removing the XXXX late payment mark. 

I wanted to express my sincere appreciation for your efforts in promoting fair and transparent financial practices. Your dedication to protecting consumers and holding financial institutions accountable is truly commendable.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

I had several cards with Synchrony Bank and they closed ALL my accounts with out any reason, there was no legal issue, financial issue or anything and they never provided a detailed reason as to why except that they reserve the right to close any account for any reason they deem fit but will not provide the reason. Because they closed all my account my credit has dropped significantly, my usage went up about 30 %, which now I am flagged as HIGH risk and having financial issues getting approved for any line of credit. I was never late on any of my card or account payments with them and I was paying more than the minimum on my account around {$150.00} to {$200.00} more than the minimum every month in hopes to build a good relationship with them. I am not the only one that Synchrony Bank has done this too and have messed up peoples credit, financial balance as well as lively hood. I have contacted the company several times asking what the issue was that lead to this and all I was told was the following : I was flagged as high risk, and they reserve the right to close any account without reason.
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (FL)

My issue is that I made an overpayment to my personal line of credit in the amount of {$14000.00} ( XXXX XXXX dollars overpaid ) and I am requesting that those funds get transferred to my personal checking account with the same bank and I am being told that the process will take 45 days, this is not acceptable The amount owed on the account was {$10000.00} and I accidentally paid {$24000.00} I am owed {$14000.00}, just to be clear
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 15 USC 1681.

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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute these inaccurate accounts on y credit report. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NV)

I have an account with Venmo. They advertise that you can " get your paycheck up to two days early '' by using direct deposit to your Venmo account. I fell for this an allocated {$1300.00} of my pay to go directly to my venmo debit account. 

On XX/XX/21, I attempted to transfer these funds to my bank account using their instant transfer feature. The transfer was declined repeatedly and they suggested that I use their " regular transfer '' which takes " 1-3 business days ''. In effect, instead of getting my funds 2 days early, I would get my funds 3 days late. 

I then went to an ATM to withdraw money from my Venmo debit card. The daily limit is {$400.00}. It was declined by the card issuer ( per the message on the XXXX XXXX ATM screen ). Venmo still debited my account for these funds. 

I called the ATM operator and on the same day they sent the funds back to my Venmo account via the XXXX XXXX. Venmo has yet to credit my account with these funds. 

I have a ticket opened with XXXX XXXX ( though they have done their part ), and with Venmo ( I haven't heard from any human there ). I have used instant chat, email, and phone..with no success. 

I feel that Venmo is misleading in their advertising, and intentionally has no frontline support that can do anything but spout their " canned responses ''
Consumer complaint received 2019-06-03
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. (TN)

I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

After no less than 3 separate contacts and sending all requested identification information the credit bureaus have maliciously refused to remove a lock from my credit file that I never requested. This is a blatant violation of my consumer rights ...
Consumer complaint received 2017-11-03
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. (GA)

XXXX XXXX XXXX XXXX, Georgia XXXX Confirmation # XXXX Date : # XXXX 2017 As a Veteran, and a XXXX XXXX XXXX, I am deeply concerned how Equifax is mistreating me just to satisfy and placate to these collection agencies, and these reporting companies. They do not care that I got denied a V.A. loan because of them. They do not care that I have been having these problems since XXXX of this year, while they knew they were comprised through hacking back then. I have filed three different police reports. 
Since XXXX of this year, I have closed my accounts three times, and we could not figure out what was going on, but they knew, and they didnt say a mumbling word. I am paying {$19.00} per month with them just to get bamboozled, hoodwinked, and deceived all the while they are appeasing, and pacifying their clients. 
They keep saying I have more than one file with them, which is out languished at best, and criminally assault against me, at best. I have only one account with the other bureaus. This should be a clue, and proof my account has been breached and my identity stole. You all should remember I filed an identity theft report twice this year. 
The keep putting these account ( XXXX XXXXXXXX XXXX XXXX XXXX, MA, and XXXX XXXX XXXX XXXX, GA ). This is proof, Equifax is still doing underhanded, and shady business after lying to congress, and the general public stating they are not! 
I am more than willing to testify in front Congress to pull the blind off this unprofessional, and feloniously mind company.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX my federal tax return deposited into my Venmo Account in the evening. On XX/XX/XXXX I received an email that my account had been frozen due to unusual activity. They requested My ID, to which I responded with within minutes. I called a short while later to see when my funds would be unfrozen for me to transfer. I was told the review of my ID would take XXXX business days. ID inquiry number provided was XXXX and escalation inquiry number provided was XXXX. On Monday XX/XX/XXXX I reached out for a status update and was told that it would be XXXX business days. I received correspondence via email later that day, requesting my ID again, and a picture of myself holding my ID. On Tuesday XX/XX/XXXX I received an email notifying me that my account had been unfrozen, but when I went to make a transaction it froze again and they emailed me again that my account had been frozen. I provided my ID for a XXXX time, along with an E-Statement, showing the account that I was connecting does belong to me. I woke up this morning XX/XX/XXXX to an email stating that my account has been deactivated and that they can hold my funds for 180 days for " loss prevention ''.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (GA)

In XXXX of XXXX I went into the office and discussed my reasonable accommodation for ending my 13-month lease by XXXX of XXXX. I resided at this residence for a total on 12 months but I was charged for 15 months my first copy of my lease had an error it stated XXXX for XXXX  XXXX that I didnt move into the 2nd lease they gave me stated it was only 13-month for XXXX  XXXX which I did reside in. I turned in my notice to vacant twice in person and by email. The property agreed to honor my notice and told me I wouldn't be penalized or charged the breaking lease amount. My amount due was only {$1800.00} I kept all my emails and Forms of communication. Once I moved out of the unit I took photos of every thing and sent a final email to management to confirm the details. A few months later I received multiple letters and phone calls from a debt collector trying to make me pay {$4700.00} for that unit. I asked for the itemized bill and tried to negotiate with this debt collector by presenting all my proof representing the agreement.The persons response to me was that unfortunately I would have to call management there because they are only debt collectors and don't handle disputes. I called and spoke to a new manager at the property she couldn't verify the Additional two months of charges for rent plus utilities that were added to the bill. I showed her the old property manager as well as my photos of moved out day and the confirmation that was sent back to me agreeing that I didn't owe anything. Her response was because it's been a year she couldn't account for anything the old property manager agreed to.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX, 2024 I SENT A REQUEST TO ALL THREE BUREAUS ( XXXX, XXXX, TRANSUNION ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.
Consumer complaint received 2020-08-23
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: JPMORGAN CHASE & CO. (GA)

In XX/XX/2019, I was considering hiring XXXX for our wedding but after receiving threats and horrible customer service, I wrote a XXXX review exercising my right of freedom of speech as a citizen of the United States. XXXX then threatened to cancel my contract, although in the contract it stated both parties, me ( the consumer ) and the company had to agree to cancellation, instead they forged a false signature that is not mine and threatened me with a NDA for exercising freedom of speech. Moreover, this company has done this to many couples and clients ; just go look at the reviews they havent had deleted. I was using my chase credit until the company cancelled my contract, and although I explained this all to chase, chase still added the fraudulent charges to my credit. Additionally, chase never listened to my plea regarding XXXX fraudulent tactics and instead reported charges for a service we never received but was charged for. I was never asked to see my real authentic signature, nor can a citizen be punished for writing a XXXX review. XXXX has provided false documentation and I refuse to pay for something I did not sign or agree to. A contract must have an offer and acceptance. XXXX committed Fraud ( namely false representation of facts ) and Chase did not authentically investigate, they only accepted an old contract that was not my signature. JPMorgan Chase is trying to make it harder for its credit card customers to sue the bank in court because of their scamming tactics, but my lawyer and I will fight this until fair business is done. Nevertheless, the XXXX party was coercing and threatening me to sign the new agreement. After I wrote several complaints, XXXX  offered to reinstate my contract and wrote a new signature is not needed, but I never agreed or signed the new contract they tried to force upon my husband and I. I did not sign any revised contract. My own signature is not on the contract. Additionally, to Chase, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item that is listed on my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.