davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MO)

On the morning of XXXX XXXX I called the number on the card to gather my balance and it was {$15.00}!!! I then went on the web page and discovered that, from XX/XX/2019 thru XX/XX/2019, a company named XXXX had fraudulently did 22 cash transactions ( including international purchase fees ) that were debited from my card, two of them were pending ( TOTAL {$400.00} )!! I called the Fraud department at Comerica Bank, reported everything and they will be sending me a new card and a Fraud Packet to be completed by me.I mailed a written letter today that they encouraged me to do and they had also stated that all the transactions were made on the internet. They also said that it will take up to 90-days to complete the investigation yet I need to pay my bills!! Someone or something committed FRAUD and IDENTITY THEFT on me!! HELP!!!
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Dovenmuehle Mortgage, Inc. (IL)

DMI XX/XX/2018 Property Foreclosed and Lender won't acknowledge and acts like this is a current bill or debt. Faxed and writing several times. Give definitive status to close now and forever.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (RI)

PNC Bank has promoted and advertised a rewards program promising that points earned by using their card will result in gift cards and cash however PNC Bank 's rewards program is a fraud. I have requested redemption of my points in the last 60 days approximately to redeem points for gifts cards and have never received them nor have I gotten a reasonable response from the firm explaining why I have not received the cards. 

In the past PNC has stated that the cash I redeemed but has never provided documentary evidence that the cash actually was credited to my account. In this case, I decided to request physical gift cards totally {$100.00} and still have not received the cards even after calling customer service about the mailing and receipt of the redeemed gift. This is obviously a fraud and false advertising. 

My PNC card ends in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

For You and Equifax : I am the victim of a XXXX XXXX and XXXX am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-09-11
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: DISCOVER BANK (WA)

I have a dispute with a service from XXXX XXXXXXXX XXXX I disputed it with Discover in a timely manner. Discover has gone back and forth on this for several months, and now they say they have information it is a proper charge. I have not received any of the documentation, and also, Regulation E requires disputes to be resolved within two billing cycles. The 2nd billing cycle would have expired on XX/XX/XXXX, and Discover has made this decision on XX/XX/XXXX.
Consumer complaint received 2023-06-12
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. (KY)

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to UPDATE the account listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

I sold a $ XXXX truck to an individual for $ XXXX because he need assistance. He wrote me a check from First Citizens Bank. I went to cash the check and after 30 minutes of due diligence, calling the owner of the checking account, verifying why the check was written and other banking review the manager XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX refused to honor the check. He said that was his policy at the branch and when I asked to see the written policy, he said " NO ''. In other words he can discriminate against any individual he deems not worthy. The funds were in the account, everything was verified ; however, XXXX XXXX did not like me and was not going to assist in this transaction. He stated the owner must come into the branch. I told him he is working 8-5 and does not have time and I am leaving for Arizona the next morning. I further stated he can verify me XXXX XXXX XXXX, XXXX, XXXX, XXXX by the internet. This is discrimination giving him ( branch manager ) the ability to discriminate against race, religion, anything he wants without justification. He almost cost this client a vehicle. I am very affluent and can afford selling a vehicle at a loss ; however, this person could not afford losing this vehicle. He could see that I am a well established financial professional.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade Capital, LLC (TN)

I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA. After the complaint was submitted, the Company, Cascade Capital Funding LLC corresponded by pointing fingers at who released my medical records to them, a third party. When, in this same case, the same letter, from Cascade Capital Funding, had my medical records inside. The letter sent to me did not have documents bearing my signature that I gave the authorization to release my medical records to third-party contractors. This is the first, failure to validate, and it is a direct violation of HIPPA. In conclusion, this HAS to come off of my medical records, immediately. All parties involved has to delete this from my credit account.
Consumer complaint received 2019-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Technology Federal Credit Union (OR)

Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.

On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.

When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.

Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.

First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX  ( XXXX ) XXXX
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Access Financial LLC (MO)

I placed a stop payment on my loan with this company and notified them to stop taking ACH payments from my account. They then began taking {$100.00} from my account on each payday. I have notified them numerous times to stop taking these payments and they still continue to take this from my account. I am paid on the XXXX and last working day of each month and each month they take {$100.00} from my account via eCheck. The check numbers are random numbers that I did not authorize. I have tried multiple times to get them to stop taking money from my account. I am now filing chapter XXXX bankruptcy and I have notified them of this and they still continue to take the {$100.00} each paycheck.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable. 

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. XXXX XXXX XXXX, in amount of {$500.00} 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.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

1st Equifax 'NEVER ' gave me my complete credit report even after I contacted them telling them it was incomplete. They further closed the case against them with CFPB knowing they had not fulfilled giving me my complete credit report. 2nd After contacting Equifax 's CEO XXXX XXXX and informing him of all the problems I was having with his company, Equifax lowered my FICA Score from XXXX ( the other 2 credit reporting agencies have my FICA Score as XXXX ) to XXXX. No one who uses Equifax is either going to give me any credit or are not going to give me favorable rates. This is retaliation for reporting Equifax to CFPB.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

I opened account in XX/XX/XXXX, made 3 deposits of XXXX, total amount XXXX, left the money in for 60days, this should have qualified and was also confirmed by customer service to meet the {$500.00}. Savings bonus offer ... .called two months ago and they said need to be 60days, then within 90days after u would receive bonus ... here we are almost 7 months later and nothing has been added to the account ... XX/XX/XXXX statement
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2019-06-11
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: CITIBANK, N.A. (MA)

Canceled previous Citi card as it was lost. Received new card which I have yet to activate. Company allowed a reoccurring charge after denying it for two weeks on a card I have yet to activate. 
Citi states they gave the new card info to the merchant XXXX. I never gave permission for this to happen. If I wanted anything anymore from XXXX I would have activated the new card and inputted new payment info.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2022, I have received a letter from TSI asking for debt amount of {$9000.00}, which I never had. TSI claimed that I owe that money to XXXX XXXX XXXX. 
TSI advised in the letter that I can dispute the debt by XX/XX/2022, by mail. 
On XXXX XXXX I sent a letter of dispute to TSI. 
As of today, XX/XX/2022, I have not heard back from TSI. 
Hopefully, TSI realized that I don't have any debt in the amount of {$9000.00}. 
Please help me verified that I am correct. 
Thank you.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was given student loan forgiveness months ago. My student loans were supposed to be forgiven back in XX/XX/year>. I have accounted for XXXX payments for subsidized and XXXX payments for unsubsidized loan forgiveness. However, only XXXX payments were needed for both. I received a email several months ago saying they were forgiven, however I still have the loans on my account and they are not forgiven. I called XXXX and XXXX and they both stated that I have no loans with them. Studentaid.gov shows the loans forgiven, however all three of my credit reports does not reflect this information at all. This was back in XXXX and it is XXXX. My credit reports are showing inaccurate due to my loans are supposed to be off my reports. Also, XXXX said that I have a overpayment but when I asked about it they played like they did not say anything else when I called last week to see what was the overpayment and if I would receive a check for overpayment.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (SC)

On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was XXXX.